Take-home pay calculator for Canada (2026)
Your take-home pay is what is left after income tax, CPP or QPP, and EI come off your pay. Enter your pay to see it for every province and territory.
Calculator
Take-home pay
$38,057 a year
$22.60 an hour is $47,008 a year before tax in Ontario, and about $38,057 after tax ($3,171 a month), working 40 hours a week in 2026.
- A month$3,171
- Every 2 weeks$1,463.71
- A week$731.86
- An hour$18.30
Where your pay goes
- Take-home pay$38,05781%
- Federal tax$3,5987.7%
- Ontario tax$1,9994.3%
- CPP$2,5895.5%
- EI$7661.6%
Breakdown
| Gross pay | $47,008 |
|---|---|
| Federal income tax | −$3,598 |
| Ontario income tax | −$1,999 |
| Includes Ontario Health Premium | $450 |
| CPP | −$2,589 |
| EI | −$766 |
| Total deductions | −$8,952 |
| Take-home pay | $38,057 |
- Average tax rate
- 11.9%
- Tax on your next $1
- 17.6%
- Of your next $1, you keep
- 75¢
Compare provinces and territories
Take-home pay on $47,008 a year before tax.
| Province or territory | A year | A month | Difference |
|---|---|---|---|
| $39,095 | $3,258 | +$1,039 | |
| $38,553 | $3,213 | +$497 | |
| $38,410 | $3,201 | +$354 | |
| $38,384 | $3,199 | +$328 | |
| $38,351 | $3,196 | +$294 | |
| $38,057 | $3,171 | Selected | |
| $37,611 | $3,134 | −$445 | |
| $37,286 | $3,107 | −$770 | |
| $37,236 | $3,103 | −$820 | |
| $37,045 | $3,087 | −$1,012 | |
| $36,831 | $3,069 | −$1,225 | |
| $36,809 | $3,067 | −$1,248 | |
| $36,307 | $3,026 | −$1,750 |
Take-home pay by province
How this calculator works
It uses the same formulas employers use to take tax and contributions off each pay. For every province and territory except Quebec, that is the Canada Revenue Agency's payroll formulas (T4127). For Quebec, provincial tax, QPP and QPIP follow Revenu Québec's formulas (TP-1015.F-V).
- Your pay is turned into a yearly amount. Hourly pay uses your hours a week for 52 weeks, so paid holidays and vacation count as worked weeks.
- Income tax uses the 2026 federal and provincial brackets, the basic personal amounts and the credits for CPP or QPP, EI and the Canada employment amount. Ontario adds its surtax and the Ontario Health Premium and takes off the Ontario tax reduction. British Columbia takes off its tax reduction.
- CPP is 5.95% of pay above $3,500, up to $4,230.45. CPP2 is 4% of pay between $74,600 and $85,000, up to $416. EI is 1.63% of pay up to $68,900, so at most $1,123.07. In Quebec, QPP is 6.30% (up to $4,479.30), EI is 1.30% (up to $895.70) and QPIP is 0.43% of pay up to $103,000.
- It assumes you work one job for the whole year, claim only the basic personal amounts and have no other deductions, such as a pension plan, union dues or benefits.
We checked the results against the CRA's Payroll Deductions Online Calculator and 2026 payroll deductions tables for every province and territory, and against Revenu Québec's 2026 income tax table. They follow the official formulas, so the yearly result matches CRA. Your own pay cheques can differ by a few dollars, because payroll spreads the mid-year rate changes below over the pay periods left in the year.
Common questions
What is take-home pay?
Take-home pay, or net pay, is what you get after deductions come off your gross pay. In most of Canada the main deductions are federal and provincial income tax, CPP and EI.
Why is my pay cheque different from this calculator?
Your employer may also take off pension plan contributions, union dues, health benefits or extra tax you asked for. Your TD1 forms (and form TP-1015.3 in Quebec) can change your tax too. And once you reach the yearly maximum for CPP and EI, they stop coming off, so later pay cheques in the year are a little bigger.
When do I stop paying CPP and EI in 2026?
CPP stops when you have paid $4,230.45, which happens at $74,600 of pay. CPP2 stops at $416. EI stops at $1,123.07, reached at $68,900 of pay.
What is CPP2?
CPP2 is a second, smaller Canada Pension Plan contribution. In 2026 it is 4% of pay between $74,600 and $85,000, so at most $416 a year. Quebec has the same rule for QPP2. Like the extra 1% part of CPP, it is deducted from your taxable income.
What is the difference between average and marginal tax rate?
Your average tax rate is all your income tax divided by your pay. Your marginal tax rate is the tax on your next dollar. A raise is only taxed at the marginal rate, so a raise never lowers your take-home pay. Our marginal rate counts the tax credits you get for CPP or QPP and EI, so it can be a little lower than the bracket rate other calculators show.
Does this include tax refunds and benefits?
No. It shows what comes off your pay. Credits you claim on your tax return, like the Canada workers benefit, and payments like the GST/HST credit are not included.
Sources
Official 2026 figures, checked . Rates change each January, and sometimes in July.
- CRA T4127 Payroll Deductions Formulas, 123rd edition, in effect July 1, 2026
- CRA T4127 Payroll Deductions Formulas, 122nd edition, in effect January 1, 2026
- Revenu Québec TP-1015.F-V, Formulas to Calculate Source Deductions and Contributions (2026-01), in effect January 1, 2026
- Revenu Québec: Employers, principal changes for 2026, in effect January 1, 2026
British Columbia (lowest rate 5.60% and a $690 tax reduction), Newfoundland and Labrador (basic personal amount $13,094) and Prince Edward Island (20% on income over $200,000) changed their 2026 rules in the spring. This calculator uses those full-year amounts. Pay cheques from July to December use temporary catch-up amounts set by the CRA, so they can show a little more or less tax than the full-year average here.