Canada Take-Home Pay Calculator by Province

This take-home pay calculator for Canada turns any salary — yearly, monthly, bi-weekly, weekly or hourly — into your estimated 2026 after-tax pay in all 13 provinces and territories. It applies the 2026 federal brackets (including the new 14% lowest rate and the basic personal amount phase-out), each province's own brackets and credits, the Ontario surtax, Quebec's 16.5% federal abatement, CPP or QPP including the CPP2/QPP2 enhancement, and EI premiums (with Quebec's reduced EI rate plus QPIP). A self-employed toggle doubles CPP correctly and drops mandatory EI.

The method is standard progressive taxation: each slice of income is taxed at its bracket rate, then a credit worth the lowest rate times the basic personal amount comes off. On a $75,000 Ontario salary, for example, the first $58,523 is taxed federally at 14% and the remainder at 20.5%, before subtracting the credit on the $16,452 federal basic personal amount — the provincial side runs the same way with Ontario's brackets, and CPP and EI are added on top.

A colour-coded bar shows exactly where every dollar goes, and compare mode puts two provinces side by side with the annual and monthly difference spelled out — useful when weighing job offers in different cities. Everything runs in your browser: your salary is never uploaded or stored on a server, and your inputs are remembered locally so your numbers are waiting next visit. Treat it as a close planning estimate — pay stubs also reflect pensions, benefits and RRSP deductions.