Data report

2026 Take-Home Pay by Province

Name: 2026 Take-Home Pay by Province
Creator: usecos.app
License: https://usecos.app/methodology

A province-by-province comparison of estimated Canadian take-home pay using the usecos 2026 pay engine. Download the CSV or run your own salary through the calculator.

Updated 2026-10-21. Simplified annual estimate; not equivalent to CRA PDOC or employer payroll withholding.

By usecos.app Research & Engineering, an organizational byline. These are modeled scenarios, not a survey of Canadian earnings. See the model limitations before citing a result.

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Direct answer

On a $75,000 salary, Nunavut has the highest estimated take-home pay at $57,573, while Nova Scotia has the lowest at $51,885. The annual spread is $5,688 under the usecos simplified 2026 tax model.

Scope: 13 provinces and territories x 4 salary levels; Compares $50,000, $75,000, $100,000 and $150,000 gross salaries.
Next action: Download the CSV or run your own salary; Use the paycheck calculator for a different income, province or pay frequency.
Not a substitute for: CRA PDOC, employer payroll or tax filing; The report excludes workplace benefits, pensions and personal tax situations beyond the model.

Best on $75,000

Nunavut

$57,573 estimated take-home

Lowest on $75,000

Nova Scotia

$51,885 estimated take-home

Annual spread

$5,688

Difference between highest and lowest province

Key findings

Use these short facts when referencing this report; link to the canonical report URL and CSV for the full dataset.

$75,000 salary leader: Nunavut: $57,573; Nova Scotia is lowest at $51,885, a $5,688 annual spread.
$100,000 salary spread: $8,127; Nunavut is highest and Nova Scotia is lowest under the simplified 2026 model.
Dataset scope: 13 provinces and territories x 4 salaries; Gross salaries covered: $50,000, $75,000, $100,000 and $150,000.
Canonical URL: https://usecos.app/reports/take-home-pay-by-province-2026; CSV download uses the same calculator engine as this report page.

This report is a simplified annual planning estimate, not official payroll withholding or tax advice.

Cite this comparison

Copy this reference with the specific salary, province and model limitations. The CSV contains 52 scenarios across 13 Canadian jurisdictions; it does not measure observed pay, living costs or US taxes. A difference in modeled net pay alone does not establish that a move is affordable.

usecos.app Research & Engineering. 2026 Take-Home Pay by Province. Updated 2026-10-21. 52 modeled scenarios, not survey data. https://usecos.app/reports/take-home-pay-by-province-2026

Download the underlying CSV · Read assumptions and exclusions

Take-home pay on a $75,000 salary

Nunavut$57,573

$4,798 per month. Keeps 76.8%; estimated deductions $17,427.

Northwest Territories$56,418

$4,701 per month. Keeps 75.2%; estimated deductions $18,582.

British Columbia$56,385

$4,699 per month. Keeps 75.2%; estimated deductions $18,615.

Yukon$56,187

$4,682 per month. Keeps 74.9%; estimated deductions $18,813.

Alberta$55,908

$4,659 per month. Keeps 74.5%; estimated deductions $19,092.

Ontario$55,616

$4,635 per month. Keeps 74.2%; estimated deductions $19,384.

Saskatchewan$54,218

$4,518 per month. Keeps 72.3%; estimated deductions $20,782.

New Brunswick$53,554

$4,463 per month. Keeps 71.4%; estimated deductions $21,446.

Manitoba$53,421

$4,452 per month. Keeps 71.2%; estimated deductions $21,579.

Newfoundland and Labrador$53,218

$4,435 per month. Keeps 71.0%; estimated deductions $21,782.

Prince Edward Island$52,745

$4,395 per month. Keeps 70.3%; estimated deductions $22,255.

Quebec$52,668

$4,389 per month. Keeps 70.2%; estimated deductions $22,332.

Nova Scotia$51,885

$4,324 per month. Keeps 69.2%; estimated deductions $23,115.

Methodology and limitations

Figures use the same shared tax data and calculation engine as the usecos paycheck calculator. The dataset includes four gross salaries: $50,000, $75,000, $100,000, and $150,000. Each row estimates annual net pay, monthly net pay, total deductions, and keep percentage.

The model includes federal and provincial/territorial tax, CPP/CPP2 and EI where applicable, and Quebec-specific payroll treatment. It excludes employer benefits, pensions, union dues, personal credits beyond the implemented basic model, and payroll withholding nuances. In particular, it does not implement CPP/QPP, EI or QPIP tax credits, enhanced pension contribution deductions, the Canada employment amount, provincial tax reductions, or northern payroll levies. These omissions can change both the amounts and provincial rankings. This is not a complete annual tax-liability calculation.

The October 21 input review corrected Newfoundland and Labrador’s annual basic personal amount to $13,094. The $15,000 amount in July payroll tables is a second-half catch-up amount. British Columbia’s annual lowest rate is 5.60% and PEI’s annual top rate is 20%; their July catch-up rates are different. See CRA T4127, What’s new. This targeted source review is not a full independent validation of every model rule. Figures are rounded independently to whole dollars; monthly amounts are annual estimates divided by 12.

Before accepting an offer or moving, check actual payroll with your employer and CRA PDOC, or Revenu Québec WebRAS for Quebec. Include housing, benefits and other living costs in your decision.

Formula

annual net pay = gross salary - federal tax - provincial tax - payroll contributions

Use this for

Province comparisons, remote-work move planning, job-offer comparisons, and deciding when to run a custom scenario in the calculator.

Sources and verification

Updated 2026-10-21 following a targeted CRA annual-input review and Newfoundland and Labrador correction. The model uses selected CRA and Quebec inputs but omits the rules listed above; it is not certified payroll software. See the methodology page for correction policy.