Finance tool
Canada salary tax calculator
Enter your gross salary and province — see federal tax, provincial tax, CPP, EI, and take-home pay with 2026 brackets.
Interactive tool
Canada salary & tax calculator
Federal + provincial income tax, CPP, and EI — estimated take-home pay for 2026.
Estimated take-home pay
$4,825/ month
22.8% effective tax rate · 29.7% marginal
Federal income tax
$8,198
Provincial income tax
$3,528
CPP contributions
$4,246
EI premiums
$1,123
Estimates for 2026 federal and provincial brackets plus CPP/EI. Verify with CRA My Account and your pay stub.
The problem
Your job offer says $85,000 — but what lands in your account?
Gross salary never equals take-home pay. Federal brackets dropped to 14% at the lowest tier in 2026, but CPP, EI, and provincial tax still stack on every paycheque.
A single number from an online “tax rate” table misses your province, pay frequency, and RRSP deductions.
How Calqio helps
Marginal-rate math, not a flat percentage
This calculator uses 2026 federal brackets, all 13 provincial/territorial rates, CPP (including CPP2 on higher earners), and EI caps.
Adjust RRSP contributions in advanced options to see how retirement savings lower taxable income.
Real example
Example: $75,000 in Ontario, paid monthly
At $75,000 gross in Ontario, federal tax applies at 14% on the first ~$58,523 of taxable income, then steps up. CPP and EI add roughly $4,000–$5,000 combined before provincial tax.
Net monthly pay often lands around $4,600–$4,800 — but your exact number depends on TD1 credits and employer benefits.
Common questions
- What tax brackets apply in Canada for 2026?
- Federal rates are 14%, 20.5%, 26%, 29%, and 33% on indexed thresholds. Each province adds its own brackets on top.
- Does this include CPP and EI?
- Yes. CPP uses the 2026 YMPE of $74,600 plus CPP2 on earnings up to $85,000. EI is capped at $68,900 insurable earnings.
- How accurate is this calculator?
- It uses published 2026 rates and standard personal amounts. Your Notice of Assessment or pay stub is the final source of truth.
- Can RRSP contributions reduce my tax?
- Yes — RRSP contributions deducted from taxable income can lower both federal and provincial tax. Use advanced options to model it.