Take-home pay in Canada, 2026 tax year

Take home pay calculator Canada

Enter your salary and choose your province or territory. See what reaches your bank account after federal and provincial income tax, CPP and EI, with every line worked out. Quebec isn't covered yet.

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Quebec isn't covered yet: Quebec payroll uses different rules.

Take-home pay in Ontario, 2026

$47,339.75a year

$3,944.98 a month, $1,820.76 every two weeks or $910.38 a week, from a salary of $60,000

Where your $60,000 goesA month
  • Take-home pay$3,944.9879%
  • CPP contributionsTowards your Canada Pension Plan pension$280.156%
  • Federal income tax$444.869%
  • Provincial or territorial taxOntario, including the health premium$248.525%
  • EI premiums$81.502%

    Rules checked 20 October 2026 against the CRA's 2026 tax rates and payroll formulas, and CPP and EI rates. How we calculate

    Estimated pay stubOntario, 2026

    Pay

    Gross salary$2,307.69

    Deductions

    Federal income taxOn taxable income of $59,435: 14% of $58,523 + 20.5% of $912, less credits of $3,041.89$205.31
    Ontario taxOn taxable income of $59,435: 5.05% of $53,891 + 9.15% of $5,544, less credits of $846.57, plus Ontario Health Premium $600.00$114.70
    CPP5.95% of yearly pay above $3,500 (4.95% base plus 1% first additional)$129.30
    EI1.63% of pay$37.62
    Total deductions$486.93
    Take-home payevery two weeks$1,820.76

    Your employer also pays, on top of your salary

    Employer CPP and CPP2The same as yours$129.30
    Employer EI1.4 times yours$52.66

    Checked 20 October 2026 against the CRA's 2026 tax rates, its T4127 payroll formulas (122nd and 123rd editions), CPP and EI rates, and provincial and territorial sources. How we check.

    Assumes one employer for the whole year, basic personal amounts only (claim code 1), no RRSP, pension plan or union dues taken from pay, no northern residents deduction, and no taxable benefits or bonuses. Each period is the yearly amount divided evenly; a real pay stub spreads CPP and EI differently. Each line is rounded to the cent, with any leftover cent on the largest line. Why your pay stub differs.

    These figures are estimates based on the salary and province or territory shown and the 2026 federal, provincial and territorial tax rules, CPP and EI rates published by the Canada Revenue Agency and other government sources. They are general information, not tax, financial or legal advice. Your pay stub can differ, for example because of your TD1 claims, RRSP or pension deductions, union dues, taxable benefits, bonuses, how often you are paid or the point in the year. Check your pay stub, or ask your employer or the CRA, before relying on these figures.

    On $60,000, take-home pay is highest in Nunavut and lowest in Nova Scotia

    Federal tax, CPP and EI are the same everywhere outside Quebec; provincial and territorial tax makes the difference. On a $60,000 salary, take-home pay runs from $44,726 in Nova Scotia to $48,773 in Nunavut.

    Province or territoryIncome taxCPP and EITake-home a yearA month
    Nunavut$6,887$4,340$48,773$4,064
    Northwest Territories$7,722$4,340$47,938$3,995
    Yukon$7,775$4,340$47,885$3,990
    British Columbia$7,906$4,340$47,755$3,980
    Alberta$7,970$4,340$47,691$3,974
    Ontario$8,321$4,340$47,340$3,945
    Saskatchewan$9,141$4,340$46,520$3,877
    New Brunswick$9,613$4,340$46,048$3,837
    Manitoba$9,888$4,340$45,772$3,814
    Newfoundland and Labrador$9,897$4,340$45,763$3,814
    Prince Edward Island$10,214$4,340$45,447$3,787
    Nova Scotia$10,934$4,340$44,726$3,727

    Rounded to the nearest dollar, so a row may not add up exactly.

    Basic personal amounts only, no RRSP or union dues. Each name opens that province's or territory's calculator.

    Salary after tax in Ontario, BC and Alberta

    Ontario

    British Columbia

    Alberta

    Every salary page

    A man in a navy coat and tie cycling along a canal path in autumn, with Gothic Revival buildings behind
    Illustration

    Each deduction is shown with its working

    Your employer takes federal and provincial income tax, Canada Pension Plan contributions and Employment Insurance premiums from each pay. The pay stub above shows each one and how it is worked out, so you can hold it against your own. Switch it between a year, a month, twice a month, every two weeks and a week.

    Why your pay stub can differ

    Tools and guides

    It works out income tax, CPP, CPP2 and EI for 2026

    Federal and provincial or territorial income tax for 2026 with the basic personal amounts and the Canada employment amount, Ontario's surtax, health premium and tax reduction, BC's tax reduction, CPP (base and first additional), CPP2 and EI. The first additional CPP and CPP2 are deducted from taxable income; base CPP and EI give tax credits, as on your return.

    It leaves out Quebec, RRSP, union dues and benefits

    Quebec, RRSP or pension plan contributions taken from pay, union dues, TD1 claims beyond the basic personal amounts, taxable benefits, bonuses, the northern residents deduction, self-employment income, and credits claimed only on your tax return. How we calculate.