How we calculate Canadian take-home pay
Canadian payroll depends on federal tax, provincial or territorial tax, credits and mandatory contributions. Our calculator provides an estimate, not a payroll determination. Quebec is excluded for now.
What the estimate includes
- 2026 federal and provincial/territorial tax brackets.
- Basic personal tax credits and federal Canada employment amount.
- Estimated CPP, CPP2 and Employment Insurance contributions.
- Ontario surtax and health premium when Ontario is selected.
Important exclusions
Quebec is not supported because it has separate provincial tax, Québec Pension Plan and Québec parental insurance rules. Some provincial credits and reductions, other surtaxes, age/spouse/dependant credits, deductions and pay-period rounding are simplified or excluded.