Canada income tax and take-home pay calculator 2026
Find out how much of your salary you really get to keep after tax.
- Type your pay before tax and choose how often you get it.
- Choose your options. Pick your province. Add RRSP if your employer takes it from your pay.
- Your take-home pay shows below and updates as you type.
How to read this table: each column is one pay period. Red numbers are taken out of your pay. The last row is what you actually get.
- Take-home a year
- $53,786.27
- A month
- $4,482.19
- Every 2 weeks
- $2,068.70
- Overall tax rate
- 23.2%
| Item | Year | Month | 2 weeks | Week | Hour |
|---|---|---|---|---|---|
| Gross pay | $70,000.00 | $5,833.33 | $2,692.31 | $1,346.15 | $33.65 |
| Federal tax | -$7,278.19 | -$606.52 | -$279.93 | -$139.97 | -$3.50 |
| Ontario tax | -$3,255.73 | -$271.31 | -$125.22 | -$62.61 | -$1.57 |
| Ontario Health Premium | -$600.00 | -$50.00 | -$23.08 | -$11.54 | -$0.29 |
| CPP | -$3,956.75 | -$329.73 | -$152.18 | -$76.09 | -$1.90 |
| EI | -$1,123.07 | -$93.59 | -$43.20 | -$21.60 | -$0.54 |
| Take-home pay | $53,786.27 | $4,482.19 | $2,068.70 | $1,034.35 | $25.86 |
How this calculator works
- Federal tax: 14%, 20.5%, 26%, 29%, 33% brackets for 2026, minus the basic personal amount and other basic credits.
- Provincial tax: your province’s own brackets and credits (Ontario also has a surtax and the Ontario Health Premium).
- CPP: 5.95% of pay between $3,500 and $74,600, plus 4% CPP2 up to $85,000.
- EI: 1.63% of pay up to $68,900.
Popular salaries after tax
- $40,000 after tax$2,734 a month
- $50,000 after tax$3,345 a month
- $60,000 after tax$3,945 a month
- $70,000 after tax$4,482 a month
- $80,000 after tax$5,025 a month
- $90,000 after tax$5,600 a month
- $100,000 after tax$6,184 a month
- $120,000 after tax$7,279 a month
Frequently asked questions
What is the federal basic personal amount for 2026?
$16,452. It is reduced for incomes above $181,440.
What is the lowest federal tax rate in 2026?
14% on taxable income up to $58,523.
How much CPP and EI will I pay?
CPP is 5.95% of your pay above $3,500 up to $74,600 (plus 4% CPP2 up to $85,000). EI is 1.63% up to $68,900.
Where our numbers come from
- CRA T4127-JAN Payroll Deductions Formulas, 122nd Edition, effective January 1, 2026
- CRA T4127-JUL Payroll Deductions Formulas, 123rd Edition, effective July 1, 2026
- Government of B.C. - Personal income tax rates
- Government of B.C. - Basic personal income tax credits (BC tax reduction)
- Government of B.C. - Budget tax changes
- Government of Alberta - Personal income tax
- ESDC - Government of Canada raises the federal minimum wage (March 2026)
- CRA – T4032-ON Payroll Deductions Tables, January 2026 (general information)
- CRA – T4032-MB Payroll Deductions Tables, January 2026 (general information)
- CRA – T4032-SK Payroll Deductions Tables, January 2026 (general information)
- CRA – T4032-NS Payroll Deductions Tables, January 2026 (general information)
- CRA – T4032-NB Payroll Deductions Tables, January 2026 (general information)
- CRA – T4032-NL Payroll Deductions Tables, January 2026 (general information)
- CRA – T4032-PE Payroll Deductions Tables, January 2026 (general information)
- CRA – Current year tax rates and income brackets (2026), page updated 2026-06-25
- CRA – Form MB428 Manitoba Tax 2025 (shows the frozen 47,000/100,000 thresholds)
- CRA – Form NB428 New Brunswick Tax 2025 (low-income tax reduction, 2025 values)
- CRA – Form NS428 Nova Scotia Tax 2025 (low-income tax reduction, 2025 values)
- CRA – Form PE428 Prince Edward Island Tax 2025 (no surtax; low-income tax reduction, 2025 values)
- CRA – Form NL428 Newfoundland and Labrador Tax 2025 (low-income tax reduction, 2025 values)
- Government of Saskatchewan – 2026 Personal Income Tax Structure
- Government of Nova Scotia – Personal income tax rates and indexation
- Government of Newfoundland and Labrador – Personal Income Tax (2025/2026 rates and credits)
- Government of Newfoundland and Labrador – Budget 2026: A Plan for Lower Taxes
Rates checked against official sources on 2026-09-29. Rates sourced from the Canada Revenue Agency and provincial governments. This site is not affiliated with or endorsed by the Government of Canada.