How pay after tax works in Canada

Canada charges income tax at two levels: a federal scale from 15% to 33% and a separate provincial or territorial scale, both applying to the same income. Every province sets its own brackets and rates, and Quebec runs a notably distinct system, so your net pay depends heavily on where you live. Basic personal amounts at both levels shield the first part of income.

On top of tax, employees pay into the Canada Pension Plan (or the Quebec Pension Plan) and Employment Insurance, with Quebec also running its own parental insurance plan (QPIP). The calculator combines the federal and provincial tax with CPP/QPP, EI and QPIP to give your take-home.

What this calculator works out

  • Federal income tax from 15% to 33%
  • Provincial or territorial income tax for all 13 jurisdictions
  • Canada Pension Plan or Quebec Pension Plan
  • Employment Insurance and Quebec parental insurance (QPIP)