Find your net (take-home) pay for 2026. Enter what's on your paycheque, pick your province, and see federal tax, provincial tax, CPP/CPP2 and EI broken down per pay period.
Enter the amount before any deductions for the pay period you selected
How often you get paid
Your province of employment
🍁 Ontario residents pay federal tax (5 brackets, 14%–33%) plus Ontario tax (5 brackets, 5.05%–13.16%), CPP, and EI.
Per-pay-period amounts that reduce taxable income and net pay
RRSP ContributionOptional, per pay period
ℹ️ Estimates only, using 2026 rates for employment income. Does not include the basic personal amount or other tax credits — see the disclaimer below.
Net Pay per Bi-weekly
--
--
💰 Gross Pay (per period)--
📉 Total Deductions (per period)--
✅ Net Pay (per period)--
📊 Per Pay Period Breakdown
Gross Pay
--
Federal Tax
--
Provincial Tax
--
CPP Contribution
--
EI Premium
--
RRSP Contribution
--
Net Pay
--
📅 Annual Summary
Gross Annual Income
--
Federal Tax
--
Provincial Tax
--
CPP Contribution
--
EI Premium
--
Net Annual Income
--
Ad · 336×280
How a Canadian Paycheque Is Calculated
Your gross pay is reduced by four main deductions before it reaches your bank account: federal income tax, provincial or territorial income tax, CPP (or QPP in Quebec), and EI (at a reduced rate in Quebec, where QPIP covers parental leave). Optional deductions like RRSP contributions, union dues, or benefit premiums come off too.
🏛️ 2026 Federal Tax Brackets
Taxable Income
Rate
$0 – $58,523
14%
$58,523 – $117,045
20.5%
$117,045 – $181,440
26%
$181,440 – $258,482
29%
Over $258,482
33%
The lowest federal rate dropped to 14% for the full 2026 year (it was an effective 14.5% in 2025, since the cut to 14% only applied from July 2025). Source: Canada Revenue Agency.
💼 2026 CPP, CPP2 & EI Rates
Deduction
Rate
Earnings Range
Max. Employee Amount
CPP (base)
5.95%
$3,500 – $74,600
$4,230.45
CPP2 (enhancement)
4.00%
$74,600 – $85,000
$416.00
EI
1.63%
up to $68,900
$1,123.07
QPP (Quebec, base + 1st additional)
6.30%
$3,500 – $74,600
$4,479.30
QPP2 (Quebec enhancement)
4.00%
$74,600 – $85,000
$416.00
EI (Quebec, reduced for QPIP)
1.30%
up to $68,900
$895.70
Quebec residents also receive a 16.5% federal tax abatement (already applied below) since Quebec funds equivalent programs itself. Sources: CRA (CPP), Revenu Québec (QPP).
💡 Example Calculation
Scenario: Ontario resident paid $2,300 bi-weekly ($59,800/year), no RRSP.
1. Gross annual income: $59,800
2. Federal tax: ~$8,375
3. Ontario tax: ~$3,235
4. CPP: (59,800 − 3,500) × 5.95% = $3,350
5. EI: $59,800 × 1.63% = $974.74
6. Total annual deductions: ~$15,935
7. Net annual income: ~$43,865 → about $1,687 per bi-weekly paycheque
Note: This is a simplified example using bracket rates only, without the basic personal amount credit, so actual take-home pay is typically a bit higher.
⚠️ Important Notes
- This calculator gives estimates only for employment income, using 2026 bracket rates.
- It does not apply the basic personal amount or other non-refundable tax credits, so results will tend to overestimate tax owing slightly.
- CPP/QPP and EI automatically stop once you hit the annual maximum — this calculator assumes a full year at the entered pay rate.
- Bonuses, overtime, and irregular pay are often withheld at different rates than regular pay.
- For payroll-accurate figures, use the CRA's Payroll Deductions Online Calculator (PDOC), or Revenu Québec if you work in Quebec.
Frequently Asked Questions
Four main things: federal income tax, provincial/territorial income tax, CPP (or QPP in Quebec), and EI premiums. Optional deductions like RRSP contributions, union dues, or benefit premiums can reduce take-home pay further.
For 2026, CPP is 5.95% on earnings between $3,500 and $74,600 (max $4,230.45). CPP2, introduced in 2024, adds 4% on earnings between $74,600 and $85,000 (max $416). The combined employee maximum is $4,646.45.
For 2026, EI is 1.63% on insurable earnings up to $68,900 (max $1,123.07). Quebec residents pay a reduced 1.30% rate (max $895.70) because QPIP covers parental leave separately.
Quebec residents pay QPP instead of CPP, at a higher combined rate of 10.3% versus CPP's 5.95% (on the same earnings band). EI is reduced to 1.30%, and federal tax gets a 16.5% Quebec abatement since the province funds equivalent programs itself. This calculator applies all three automatically when you select Quebec.
The lowest federal rate dropped to a full 14% for 2026, tax brackets rose roughly 2% for inflation, the CPP earnings ceiling (YMPE) rose to $74,600, and EI's maximum insurable earnings rose to $68,900. Most provinces also adjusted their own brackets and basic personal amounts.
This calculator provides estimates only based on 2026 bracket rates, without the basic personal amount or other credits. For payroll-accurate figures, use the CRA's Payroll Deductions Online Calculator (PDOC), or Revenu Québec's calculator if you work in Quebec.
⚠️ Disclaimer: This calculator provides estimates for informational purposes only, based on 2026 federal and provincial tax brackets, CPP/CPP2, and EI rates for employment income. It does not include the basic personal amount, other tax credits, or special circumstances. For official, payroll-accurate figures, use the CRA's Payroll Deductions Online Calculator (PDOC), Revenu Québec for Quebec, or consult a certified payroll/tax professional.