Canada · Planning tools

Canadian Take-Home Pay Calculator

Estimate the pay you may receive after income tax and supported payroll deductions. Select your province of employment and pay date so the calculation uses the appropriate rules for that payroll period.

Your details

Your scenario

2026 regular employment payroll for Ontario and Alberta only. Other provinces and territories, Quebec, bonuses, multiple employers and midyear CPP changes are not yet enabled. Ten Ontario monthly-pay cases match CRA PDOC at displayed precision. Broader case coverage and independent payroll review remain required before release.

Pay date Province of employment Regular gross pay this period (CAD) Pay frequency Deductible payroll pension / registered contribution (CAD) TD1 claim basis Federal TD1 total claim amount (CAD) Provincial TD1 total claim amount (CAD) Ontario tax-reduction dependant units CPP age / election status CPP status confirmed for the entire year YTD CPP, excluding CPP2, with this employer (CAD) YTD CPP2 with this employer (CAD) YTD EI with this employer (CAD) YTD pensionable earnings before this pay (CAD) Additional requested income tax this period (CAD) Single employer, regular fully pensionable/insurable pay; no bonuses or special credits

Entries stay in this browser. Examples use illustrative confirmations; replace them with your own checked details.

How to use this tool

Enter regular gross pay and pay frequency.
Add TD1 amounts and relevant year-to-date deductions.
Review the gross-to-net breakdown and compare it with your payslip.

How the result is calculated

Payroll withholding uses federal and provincial formulas plus pension and insurance contribution rules. Year-to-date amounts matter when annual contribution limits are approached.

Worked example

In a simplified example, $2,000 gross less $200 income tax, $100 CPP and $30 EI leaves $1,670. Actual deductions depend on the selected rules and your entries.

What this result does not cover

The initial version excludes Quebec, bonuses and unusual payroll arrangements. Withholding is not the same as final annual income tax.

Questions people ask

Which province should I choose?

Use the province of employment relevant to payroll, which may differ from residence.

Why enter year-to-date deductions?

They help apply annual CPP and EI limits correctly.

Does this predict my tax refund?

No. A tax return considers information beyond one payroll calculation.

Supported scope and official sources

Source snapshot: 22 October 2026. Independent specialist review is pending. Calculations do not confirm eligibility or replace official decisions.

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