Take-Home Pay Calculator
Gross to net for every Canadian province. CPP, CPP2, EI, and federal + provincial income tax, with Quebec's QPP, QPIP, reduced EI, and federal abatement all handled, for 2026.
Inputs
Estimate based on the basic personal amount only. It does not know your TD1 credits (age, spousal, disability, dependants), RRSP contributions, or other income. A real pay run applies your actual TD1 claim code.
Estimated take-home pay
Per pay period
$1,975.65
26× per year · net of all deductions
Annual net
$51,367
on $65,000 gross
Per pay period
Annual (2026)
Effective deduction rate: 21.0% of gross. 2026 rates; EI/QPIP/QPP figures are projections confirmed in the November bulletins.
How take-home pay is calculated
Net pay is gross pay minus four things: CPP/CPP2 (QPP/QPP2 in Quebec), EI (plus QPIP in Quebec), federal income tax, and provincial income tax. The statutory contributions come off first; income tax is then calculated on the remainder, with the basic personal amount applied as a credit and the marginal brackets for the province of work.
This is an estimate for a single employee claiming the basic personal amount. It does not know your full TD1 (age, spousal, disability, or dependant credits all reduce tax), pre-tax deductions like RRSP contributions or union dues, taxable benefits, or additional voluntary withholding. For the exact pay-run math against each employee's real TD1 claim code, you need a payroll system.
2026 brackets and amounts are used throughout, including the federal lowest-bracket rate of 14%. EI, QPIP, and QPP figures are projections confirmed by the CEIC and Revenu Québec in their November bulletins; YMPE, YAMPE, and the tax brackets are confirmed.
Frequently asked questions
How do I calculate take-home pay in Canada?
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Take-home (net) pay is gross pay minus statutory source deductions: CPP and CPP2 (or QPP/QPP2 in Quebec), EI (plus QPIP in Quebec), and federal and provincial income tax. Income tax is calculated on gross minus the CPP/EI deductions, with the basic personal amount applied as a credit, then the marginal tax brackets for your province. This calculator does all of that for 2026 once you enter your gross salary and province of work.
What is the average tax rate on salary in Canada?
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There is no single rate — it depends on income and province. Total deductions (CPP/EI plus income tax) on a typical $65,000 salary land around 22-26% of gross for most provinces, rising with income because federal and provincial tax are progressive. Enter your own salary and province above for your specific effective deduction rate.
Is take-home pay different in Quebec?
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Yes, materially. Quebec employees pay into QPP instead of CPP (a higher rate), pay QPIP premiums alongside a reduced federal EI rate, and Quebec collects its own provincial income tax. Quebec residents also receive a 16.5% abatement on basic federal tax because Quebec administers tax separately. This calculator applies all of those when you select Quebec.
Why is my actual paycheque different from this estimate?
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This calculator applies the basic personal amount only. Your real paycheque reflects your TD1 claim code — additional credits like the age amount, spousal amount, disability, or dependant credits reduce withholding, while pre-tax items like RRSP contributions and union dues, taxable benefits, and additional voluntary withholding all change the number. The estimate is accurate for a single employee claiming only the basic amount.
Does this include CPP2?
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Yes. CPP2 is the second-tier contribution (4%) on earnings between the YMPE and YAMPE. For 2026 that is $74,600 to $85,000. If your salary is above $74,600 the calculator includes CPP2 (or QPP2 in Quebec) automatically.
Run this for a whole team, every pay period, automatically.
Hibiscus HR applies each employee's real TD1 claim code, tracks YTD CPP/EI ceilings, handles every province including Quebec, and writes it all to an audit trail. The calculator is the estimate; the platform is the pay run.