Salary Calculator Canada
Calculate your federal take-home pay with CPP, CPP2, EI, and the federal Basic Personal Amount. Updated for 2026 (Federal only). Provincial tax not included — add your province's rate separately.
Net annual pay
$60,769
19.0% deducted from gross
Monthly
$5,064
Fortnightly
$2,337
Weekly
$1,169
Marginal rate
20.5%
Total cost to employer: $80,651
Includes $5,651 in employer contributions on top of your salary.
Full breakdown
Every line item that affects your gross-to-net.
| Item | Annual | Monthly |
|---|---|---|
| Gross salary | $75,000 | $6,250 |
| Federal income tax (Federal only) Basic Personal Amount $15,705 applied. Provincial tax NOT included. | $9,000 | $750 |
| CPP (5.95%) | $4,034 | $336 |
| CPP2 (4%, additional) | $148 | $12 |
| EI (1.66%) | $1,049 | $87 |
| Employer CPP + EI (1.4×) Paid by your employer on top of your salary. | $5,651 | $471 |
| Net annual take-home | $60,769 | $5,064 |
Worked example
A typical employee in Ontario earning $75,000 gross (federal calculation only):
- Federal income tax (after $15,705 BPA): ~$8,940
- CPP (5.95%, up to $71,300): ~$4,040
- CPP2 (4%, $71,300–$75,000): ~$148
- EI (1.66%, up to $63,200): ~$1,049
- Federal take-home: ~$60,823
Add Ontario provincial tax: ~$3,800 → total take-home ~$57,000. In Alberta (~$3,400 provincial) → ~$57,400. In Quebec (~$8,500) → ~$52,300.
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Frequently Asked Questions
What is CPP and how much do I pay?▾
The Canada Pension Plan (CPP) is a mandatory contribution to your eventual retirement income. In 2026 you pay 5.95% on earnings between $3,500 and the Year's Maximum Pensionable Earnings (~$71,300), capped at ~$4,040/year. Above $71,300, an additional 4% CPP2 applies up to ~$81,200 (capped ~$396/year). Your employer matches both. Self-employed pay both halves themselves (~11.9% combined).
What is EI and who pays it?▾
Employment Insurance (EI) provides income support during job loss, parental leave, and sickness. Employees pay 1.66% on the first ~$63,200 of earnings (2026 estimate). Your employer pays an additional 1.4× your contribution (= 2.32% of your wages up to the cap). Quebec residents pay slightly less because of the Quebec Parental Insurance Plan.
Does this calculator include provincial tax?▾
No — only federal tax is calculated. Provincial tax varies hugely: Alberta has a flat ~10% on most income, Ontario ranges 5–13.16%, Quebec is the highest at 14–25.75%. To estimate your true take-home, add roughly 5–15% extra deduction depending on your province. We'll add a provincial selector in a future update.
What is the Basic Personal Amount (BPA)?▾
The BPA is a non-refundable tax credit applied as a flat deduction before federal tax is calculated. For 2026 it's roughly $15,705 (estimated, federal). Provinces have their own basic personal amounts on top, so most Canadians pay no provincial tax on the first ~$10,000–15,000 of income.
How do RRSP contributions affect my take-home?▾
RRSP contributions are deducted from your gross income before tax is calculated — they reduce both federal and provincial income tax (but not CPP/EI). The 2026 contribution room is 18% of your previous year's earned income, up to a maximum of ~$32,490. On a $75,000 salary contributing $7,500 to RRSP, you'd save roughly $1,500 in federal tax at the 20.5% bracket. Not modeled in this calculator yet.
What's the difference between CPP and CPP2?▾
CPP is the standard 5.95% on earnings $3,500 to $71,300 (about $4,040/year max). CPP2 is a newer 4% layer introduced in 2024 on earnings between $71,300 and $81,200. CPP2 was added to increase eventual retirement benefits for high earners. Both are deducted from your paycheck and both are matched by your employer.
Quebec is different — should I use this calculator?▾
Quebec has its own tax system (Revenu Québec) and pension plan (QPP instead of CPP, slightly higher rates), plus a separate QPIP for parental insurance. This calculator uses federal CPP/EI and federal tax — close but not exact for Quebec. We're adding a Quebec-specific mode soon.