Canada salary calculator 2026, take-home pay after tax, CPP and EI
This free Canada salary calculator turns your gross salary into your real take-home pay for 2026. Choose your province or territory and it shows your pay after federal income tax, provincial tax, CPP/QPP and EI, down to the monthly and bi-weekly figure. Every rate comes from official CRA, Revenu Québec and provincial sources, and you can see exactly how each number is worked out.
How your Canadian take-home pay is calculated
Federal tax is charged across five brackets (14% to 33% for 2026), less non-refundable credits valued at 14% — the Basic Personal Amount (up to $16,452), your base CPP/QPP and EI, and the Canada Employment Amount. Your province or territory then adds its own income tax using its own brackets and Basic Personal Amount.
| 2026 federal bracket | Rate |
|---|---|
| Up to $58,523 | 14% |
| $58,523 – $117,045 | 20.5% |
| $117,045 – $181,440 | 26% |
| $181,440 – $258,482 | 29% |
| Over $258,482 | 33% |
CPP is 5.95% of earnings between $3,500 and $74,600 (plus CPP2 above that), and EI is 1.63% up to $68,900. Quebec residents pay QPP, QPIP and a reduced EI rate, and receive the 16.5% federal abatement.
$60,000 after tax in Ontario (2026)
A single person on $60,000 in Ontario takes home about $47,340 a year (roughly $3,945 a month): about $5,338 federal tax, $2,982 Ontario tax, $3,362 CPP and $978 EI. Enter your own salary above and switch province for an exact breakdown.
Frequently asked questions
- Is this Canada salary calculator free?
- Yes. It's completely free, with no sign-up. Pick your province, enter your gross salary, and it shows your take-home pay for 2026 after federal and provincial income tax, CPP (or QPP in Quebec) and EI, using official CRA and provincial figures.
- How is take-home pay calculated in Canada?
- Four things come off a Canadian salary: federal income tax, provincial or territorial income tax, CPP/QPP, and EI. Federal tax runs 14% to 33% across brackets; each province has its own brackets on top. Everyone gets a Basic Personal Amount (up to $16,452 federally for 2026) and other credits that reduce the tax. CPP is 5.95% on earnings between $3,500 and $74,600 (plus CPP2 above that), and EI is 1.63%. What's left is your take-home pay.
- How much is $60,000 after tax in Ontario?
- For 2026 in Ontario, a $60,000 salary gives a take-home pay of about $47,340 a year, or roughly $3,945 a month. That's after about $5,338 federal tax, $2,982 Ontario tax, $3,362 CPP and $978 EI. Enter your own salary and province above for an exact breakdown.
- What are the 2026 federal tax brackets?
- For 2026 the federal rates are 14% up to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, and 33% above that. The lowest rate is a full-year 14% for 2026 (reduced from 15%). Your province then adds its own income tax on top.
- How much is CPP and EI in 2026?
- CPP is 5.95% of earnings between $3,500 and $74,600 (maximum $4,230.45), plus CPP2 at 4% on earnings from $74,600 to $85,000 (maximum $416). EI is 1.63% up to $68,900 of insurable earnings (maximum $1,123.07). Quebec residents instead pay QPP (6.3%), QPIP, and a reduced EI rate of 1.30%.
- How is Quebec different?
- Quebec runs its own system: QPP instead of CPP (6.3%), the Quebec Parental Insurance Plan (QPIP), and a reduced EI rate of 1.30%. Quebec also has its own provincial tax brackets (14% to 25.75%). To offset the separate Quebec return, Quebec residents receive a 16.5% federal abatement that reduces their federal tax. Select Quebec above to see all of this applied.