Does this include provincial income tax?

No — the estimate is federal only. Every province and territory charges its own income tax on top of the federal amount, using its own brackets and rates, and none of that is included here. Your combined bill is therefore meaningfully higher than the figure shown, so look up your own province before relying on it.

Are CPP and EI included?

No. Canada Pension Plan contributions and Employment Insurance premiums are separate payroll deductions taken alongside income tax, and this tool models income tax only. Both reduce a real paycheque further, so the take-home figure here overstates what lands in your account.

Is the basic personal amount applied?

No. The 15% band is applied from the very first dollar of gross salary, with no basic personal amount or other credits deducted first. That makes the estimate run high, and proportionally highest at lower incomes, where credits matter most.

Does it work for Quebec?

Only as a rough federal starting point. Quebec levies its own provincial income tax, and it also runs its own provincial pension plan and parental insurance plan in place of parts of the federal arrangements, so both the tax and the payroll deductions on a Quebec pay statement differ. Use Revenu Québec resources alongside federal ones.

What is the difference between the marginal and effective rate?

The marginal rate is what the next dollar of income is taxed at; the effective rate is total tax divided by total income. On the $120,000 example the marginal rate is 26% while the effective federal rate is 18.32%, because earlier income was taxed at 15% and 20.5%. Moving into a higher bracket never re-taxes the income below it.

Why does my biweekly pay not match the monthly figure?

This page divides annual take-home by twelve, whereas payroll withholds per pay period using CRA tables — 26 biweekly periods, or 24 semi-monthly ones, each with its own rounding. Provincial tax, CPP, EI and benefit premiums come off as well. Any single deposit will therefore differ from a twelfth of the annual figure.

Is my salary information uploaded?

No. The calculation runs in your browser and nothing you enter is transmitted.

Canada Take-Home Pay Calculator

Estimate Canadian take-home pay after federal income tax on illustrative 2025 federal brackets. Provincial tax, CPP and EI are not included.

Runs in your browser — files never leave your device

Gross annual salary$

Annual take-home

$50,772.69

Monthly take-home

$4,231.06

Income tax

$9,227.31

Estimates income tax only. Local levies, social security and deductions vary in Canada.

How it works

Enter a gross annual salary and this page applies a progressive federal bracket table, subtracts the tax, and reports what remains annually and monthly. The brackets carried in this build are the illustrative 2025 federal rates: 15% up to $55,867, 20.5% to $111,733, 26% to $173,205, 29% to $246,752, and 33% above that.

Each bracket applies only to the income that falls inside it, and the pieces are added together. Crossing into the 20.5% bracket does not re-tax the dollars already charged at 15% — only the income above the threshold moves up a rate. Monthly take-home is the annual figure divided by twelve.

Worked example on a $120,000 salary. The first $55,867 at 15% = $8,380.05. The next $55,866, up to $111,733, at 20.5% = $11,452.53. The last $8,267, from $111,733 to $120,000, at 26% = $2,149.42. Federal income tax totals $21,982.00, an effective rate of 18.32% of gross against a 26% marginal rate. Take-home is $98,018.00 a year, or $8,168.17 a month.

The largest omission is deliberate and worth stating plainly: this is federal tax only. Every province and territory levies its own income tax on top, withheld from the same paycheque, so a real Canadian tax bill is materially higher than the figure above — how much higher depends entirely on where you live. CPP and EI are separate payroll deductions and are not modelled either, and Quebec differs again by running its own provincial pension plan and parental insurance plan. Credits are not applied at all: the 15% band starts at the first dollar here, so no basic personal amount is deducted and the federal estimate runs high, especially at lower incomes.

RRSP contributions, union dues and employer benefit premiums all change a real paycheque, and none of them appear here. Payroll systems also withhold per pay period using Canada Revenue Agency tables rather than by dividing an annual total by twelve, so a biweekly or semi-monthly deposit will not match the monthly figure exactly. Because provincial tax is excluded, the estimate also comes out identical whether you work in Ontario, Alberta or Nova Scotia, which is the clearest sign it should not be read as a paycheque for any of them. Use the output to compare offers or judge the shape of a salary band, and treat any single pay period as approximate.

Estimates only — confirm current federal and provincial rates and your own deductions with the Canada Revenue Agency, Revenu Québec where applicable, or your payroll provider.

Other regions: United States, United Kingdom, Australia.

Frequently asked questions

Does this include provincial income tax?: No — the estimate is federal only. Every province and territory charges its own income tax on top of the federal amount, using its own brackets and rates, and none of that is included here. Your combined bill is therefore meaningfully higher than the figure shown, so look up your own province before relying on it.
Are CPP and EI included?: No. Canada Pension Plan contributions and Employment Insurance premiums are separate payroll deductions taken alongside income tax, and this tool models income tax only. Both reduce a real paycheque further, so the take-home figure here overstates what lands in your account.
Is the basic personal amount applied?: No. The 15% band is applied from the very first dollar of gross salary, with no basic personal amount or other credits deducted first. That makes the estimate run high, and proportionally highest at lower incomes, where credits matter most.
Does it work for Quebec?: Only as a rough federal starting point. Quebec levies its own provincial income tax, and it also runs its own provincial pension plan and parental insurance plan in place of parts of the federal arrangements, so both the tax and the payroll deductions on a Quebec pay statement differ. Use Revenu Québec resources alongside federal ones.
What is the difference between the marginal and effective rate?: The marginal rate is what the next dollar of income is taxed at; the effective rate is total tax divided by total income. On the $120,000 example the marginal rate is 26% while the effective federal rate is 18.32%, because earlier income was taxed at 15% and 20.5%. Moving into a higher bracket never re-taxes the income below it.
Why does my biweekly pay not match the monthly figure?: This page divides annual take-home by twelve, whereas payroll withholds per pay period using CRA tables — 26 biweekly periods, or 24 semi-monthly ones, each with its own rounding. Provincial tax, CPP, EI and benefit premiums come off as well. Any single deposit will therefore differ from a twelfth of the annual figure.
Is my salary information uploaded?: No. The calculation runs in your browser and nothing you enter is transmitted.

Canada Take-Home Pay Calculator

How it works

Frequently asked questions

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