Take-Home Pay Calculator
Find out what actually lands in your bank account. Enter your salary and province to see your take-home pay after federal and provincial tax, CPP and EI — per year, per month, and per paycheque.
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Frequently asked questions
What gets deducted from my pay?
Four main things: federal income tax, provincial income tax, CPP (Canada Pension Plan) contributions, and EI (Employment Insurance) premiums. This tool estimates all four for the 2025 tax year.
What’s the difference between average and marginal tax rate?
Your average rate is total tax divided by total income — what you actually pay overall. Your marginal rate is the tax on your next dollar of income, which is higher because Canada uses progressive brackets. Knowing your marginal rate helps with RRSP and capital-gains decisions.
Does this work for Quebec?
Yes. Quebec is handled with its own rules: the 16.5% federal tax abatement, QPP instead of CPP (at a higher rate), Quebec’s lower EI rate, and the QPIP premium. So the Quebec result reflects how different that province really is.
How accurate is this?
It uses the real 2025 federal and provincial brackets and the basic personal amount, plus CPP and EI. It’s a close estimate for typical employment income, but it doesn’t include other credits and deductions (RRSP contributions, pension, etc.), so your actual pay stub may differ.