Enter your salary and province or territory to see what you take home after federal and provincial income tax, CPP or QPP and EI, for the year and for each pay period. The figures use the 2026 rates in this site’s data, the same ones behind every take-home figure in the income tax hub.
To convert between hourly and annual pay, use the salary converter. For other income or RRSP deductions, use the income tax calculator.
What comes off a salary
| Deduction | Rate | Applies to | Yearly maximum |
|---|---|---|---|
| Federal income tax | 14% to 33% by bracket | Taxable income, after credits | None |
| Provincial or territorial income tax | Varies (tax brackets) | Taxable income, after credits | None |
| CPP | 5.95% | Earnings from $3,500 to $74,600 | $4,230.45 |
| CPP2 | 4% | Earnings from $74,600 to $85,000 | $416.00 |
| EI | 1.63% (1.30% in Quebec) | Earnings up to $68,900 | $1,123.07 ($895.70 in Quebec) |
In Quebec, QPP at 6.30% takes the place of CPP, and QPIP premiums of 0.43% apply to earnings up to $103,000. Income tax is reduced by credits for the basic personal amount, the Canada employment amount, CPP and EI; how they work is on the income tax calculator page.
Take-home pay = salary − federal tax − provincial or territorial tax − CPP/QPP − EI (− QPIP in Quebec).
Take-home pay by province
What a single employee with no other income or deductions takes home in a year:
| Province or territory | $50,000 | $75,000 | $100,000 | $150,000 |
|---|---|---|---|---|
| Alberta | $40,541 | $57,362 | $74,459 | $107,458 |
| British Columbia | $40,574 | $57,711 | $75,373 | $107,377 |
| Manitoba | $39,075 | $55,024 | $71,445 | $100,797 |
| New Brunswick | $39,357 | $55,102 | $71,215 | $101,330 |
| Newfoundland and Labrador | $39,252 | $54,737 | $70,603 | $100,702 |
| Nova Scotia | $38,260 | $53,423 | $68,867 | $98,117 |
| Ontario | $40,168 | $56,926 | $74,206 | $104,320 |
| Prince Edward Island | $38,829 | $54,316 | $69,789 | $98,973 |
| Quebec | $38,824 | $53,965 | $69,585 | $97,850 |
| Saskatchewan | $39,699 | $55,806 | $72,288 | $104,037 |
| Northwest Territories | $40,768 | $57,763 | $75,204 | $107,361 |
| Nunavut | $41,363 | $58,819 | $76,654 | $110,408 |
| Yukon | $40,611 | $57,655 | $74,998 | $107,893 |
At $75,000, the breakdown:
| Province or territory | Federal tax | Provincial or territorial tax | CPP/QPP, EI and QPIP | Take-home pay | Per month |
|---|---|---|---|---|---|
| Alberta | $8,259 | $4,010 | $5,370 | $57,362 | $4,780 |
| British Columbia | $8,259 | $3,661 | $5,370 | $57,711 | $4,809 |
| Manitoba | $8,259 | $6,348 | $5,370 | $55,024 | $4,585 |
| New Brunswick | $8,259 | $6,270 | $5,370 | $55,102 | $4,592 |
| Newfoundland and Labrador | $8,259 | $6,635 | $5,370 | $54,737 | $4,561 |
| Nova Scotia | $8,259 | $7,949 | $5,370 | $53,423 | $4,452 |
| Ontario | $8,259 | $4,446 | $5,370 | $56,926 | $4,744 |
| Prince Edward Island | $8,259 | $7,056 | $5,370 | $54,316 | $4,526 |
| Quebec | $6,856 | $8,466 | $5,714 | $53,965 | $4,497 |
| Saskatchewan | $8,259 | $5,566 | $5,370 | $55,806 | $4,650 |
| Northwest Territories | $8,259 | $3,609 | $5,370 | $57,763 | $4,814 |
| Nunavut | $8,259 | $2,553 | $5,370 | $58,819 | $4,902 |
| Yukon | $8,259 | $3,717 | $5,370 | $57,655 | $4,805 |
Income tax includes the Ontario surtax and Health Premium in Ontario and the abatement in Quebec. These figures leave out refundable credits and benefits, such as the Canada workers benefit, that some people also receive.
Take-home pay per pay period
In British Columbia, for example:
| Salary | Take-home per year | Per month | Every two weeks (26 pays) |
|---|---|---|---|
| $40,000 | $33,333 | $2,778 | $1,282 |
| $60,000 | $47,755 | $3,980 | $1,837 |
| $80,000 | $61,157 | $5,096 | $2,352 |
| $100,000 | $75,373 | $6,281 | $2,899 |
| $120,000 | $89,067 | $7,422 | $3,426 |
| $200,000 | $136,274 | $11,356 | $5,241 |
The pay-period figures divide the year evenly. In practice CPP and EI stop once you reach their yearly maximums, so paycheques late in the year can be larger than these averages; the withholding tax calculator explains why.
Ways to keep more of your salary
RRSP contributions. An RRSP contribution is deducted from your income, so it lowers your income tax (not your CPP or EI). On a $100,000 Ontario salary, a $10,000 RRSP deduction saves $2,991 of income tax, the difference between the tax on a $100,000 and a $90,000 salary: CPP and EI are at their maximums at both salaries, so only the income tax changes. How much you can contribute is set by your deduction limit: Your RRSP deduction limit is your unused room from past years plus the lesser of 18% of last year's earned income and the year's dollar limit, minus your pension adjustment, plus any pension adjustment reversal and minus any net past service pension adjustment. See the RRSP contribution room calculator.
Deductions at source. If your employer withholds RRSP contributions from your pay, or the CRA authorizes lower withholding, you get the tax saving on each paycheque instead of as a refund. The withholding tax calculator covers how.
TFSA. Contributions don’t reduce your tax, but growth and withdrawals are tax-free; see the TFSA calculator.
Related tools
- Income tax calculator: tax with other income and deductions
- Marginal tax rate calculator: the tax on your next dollar
- Bonus tax calculator: what a bonus adds to your tax
- Salary converter and hourly to salary calculator
- Income percentile calculator: how your income compares
Sources
The figures and rules on this page come from these sources, last checked against them between September 5, 2026 and September 29, 2026. How we check facts.
- Canada Revenue Agency: Payroll Deductions Formulas - 123rd Edition Effective July 1, 2026
- Canada Revenue Agency: Current year tax rates and income brackets (2026) - Personal income tax
- Canada Revenue Agency: CPP contribution rates, maximums and exemptions
- Canada Revenue Agency: Second additional CPP (CPP2) contribution rates and maximums
- Canada Revenue Agency: EI premium rates and maximums – Calculate payroll deductions and contributions
- Canada Revenue Agency: How contributions affect your RRSP deduction limit
- Government of Canada: Data table
- Government of Canada: Data table