Canada Paycheque Calculator (2026)
Work out take-home pay in any province or territory after federal and provincial income tax, CPP or QPP, EI and QPIP, using 2026 rates. Then turn it into a pay stub with the same figures. Free, no signup.
Lowers income tax, not CPP or EI.
| Per paycheque | Amount | Per year |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Federal income tax | -$205.32 | -$5,338.30 |
| Ontario income tax | -$114.70 | -$2,982.20 |
| CPP contribution | -$129.30 | -$3,361.75 |
| EI premium | -$37.62 | -$978.00 |
Estimate using the 2026 federal and Ontario brackets with the basic personal amounts only (TD1 claim code 1), CPP at 5.95% (plus CPP2 above $74,600) and EI at 1.63%. Payroll tables can differ by a few dollars. Not tax advice.
Tax rates last updated October 29, 2026. Sources: CRA and Revenu Québec.
Frequently asked questions
How is take-home pay calculated in Canada?
Take-home pay is gross pay minus federal income tax, provincial income tax, CPP contributions and EI premiums. In Quebec, QPP replaces CPP, EI is charged at a lower rate and there is a QPIP premium for parental insurance. Tax is worked out on the year's pay the way payroll does it: the 2026 federal and provincial brackets, less credits for the basic personal amounts, the Canada employment amount and CPP and EI, divided across the pay periods.
Which province leaves the most take-home pay?
On $60,000 a year paid bi-weekly, British Columbia ($1,836.70 per pay) and Alberta ($1,834.25) leave the most among the provinces, and Nova Scotia ($1,720.23) the least. Ontario is $1,820.75 and Quebec $1,743.41. The territories are higher still: Nunavut is $1,875.87. The order changes at other incomes, so try your own pay in the calculator.
Why is my real paycheque different?
Your employer's payroll uses your TD1 forms (and Quebec's TP-1015.3), which can claim more than the basic personal amount, and takes off things the calculator doesn't know about, such as benefits, union dues or a pension plan. The CRA payroll tables also round slightly differently. In BC, the tables for July to December 2026 use 6.14% on the first bracket to catch up a mid-year rate rise, so withholding there is a few dollars higher than the full-year rate this calculator uses.
Does the calculator include RRSP contributions?
Yes. Enter an RRSP or registered pension contribution taken at source and it lowers income tax for that pay. It doesn't lower CPP or EI, which are charged on the full pay.
Can I turn the result into a pay stub?
Yes. "Create a pay stub" opens the Canadian pay stub generator with the same pay, frequency and province filled in, and the stub shows the same deductions. Add the employer and employee details, then download the PDF.
Province pay stub guides
What each province's pay stub must show, its 2026 payroll deductions and a worked sample:
Every other province and territory is in the Canadian pay stub generator.