Pay & tax
Canada take-home pay calculator
Enter your salary and province, plus any bonus, overtime or RRSP contribution, to see your take-home pay per day, week, month and year.
How it works
Your take-home pay starts with your gross pay — salary plus any bonus or overtime — then subtracts an RRSP contribution before tax is worked out. Federal and provincial tax are calculated separately, each with their own brackets and their own Basic Personal Amount, which works as a tax credit rather than a straightforward subtraction. Canada Pension Plan (CPP) and Employment Insurance (EI) are calculated separately from income tax, on your earnings before an RRSP contribution reduces them. Quebec is different throughout: it sets its own provincial tax, runs its own pension plan (QPP) and parental insurance (QPIP) instead of part of EI, and its residents get a 16.5% abatement on federal tax to account for collecting its own provincial tax independently.
Frequently asked questions
Why is Quebec calculated differently?
Quebec collects its own provincial tax independently rather than through the federal collection agreement other provinces use, so residents get a 16.5% abatement (reduction) on federal tax. Quebec also runs the Quebec Pension Plan (QPP) instead of CPP, and Quebec Parental Insurance (QPIP) alongside a lower EI rate. This tool uses the same contribution rates for QPP as CPP as a reasonable approximation, since the two plans are closely aligned.
What is CPP2?
CPP2 is an additional, second CPP contribution introduced in 2024 on earnings between the Year’s Maximum Pensionable Earnings and a higher additional ceiling, at its own rate. It is on top of the base CPP contribution, not instead of it.
How does the Basic Personal Amount credit work?
Both federal and provincial Basic Personal Amounts are non-refundable tax credits, not deductions from income. Each is multiplied by that jurisdiction’s lowest tax rate, and the result is subtracted from the tax calculated on your full taxable income. The federal amount is also reduced for higher earners, between $177,882 and $253,414 of taxable income.
Does an RRSP contribution reduce CPP and EI?
No. An RRSP contribution reduces the income used for federal and provincial tax, but CPP and EI are calculated on your gross pensionable and insurable earnings regardless of any RRSP contribution — similar to how a traditional 401(k) works in the United States.
How accurate is this calculator?
It uses published federal and provincial tax, CPP, EI and QPIP rates for the current tax year, and calculates CPP, EI and QPIP on annual income, which suits a steady salary. It does not include every provincial credit or surtax, so this is a planning estimate rather than a payslip.
Method: published Canada 2025 tax year rates. This is an estimate, not tax advice. How our calculators work.