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Take-Home Pay Calculator

Estimate your net pay after federal and provincial income tax, CPP and EI for the 2025 tax year.

Inputs

CAD
Take-home = income − federal tax − provincial tax − CPP − EI. Uses 2025 rates and the basic personal amounts only (no other credits or RRSP deductions). Ontario includes the surtax. Quebec is not shown (it uses QPP/QPIP and a separate provincial return). From 2026 the lowest federal rate is a full 14%.

Monthly Take-Home Pay

After tax, CPP & EI
$0

How take-home pay works

Your take-home pay is your gross income minus four deductions: federal income tax, provincial income tax, CPP (Canada Pension Plan) and EI (Employment Insurance). Both income taxes are progressive — you pay each rate only on the income within its bracket — and the federal Basic Personal Amount ($16,129 in 2025) means the first chunk of income is effectively tax-free.

CPP is 5.95% on earnings between $3,500 and $71,300, plus an extra 4% (CPP2) up to $81,200; EI is 1.64% up to $65,700. Provincial tax varies a lot — Alberta's rates are lower but its bracket structure differs, while Ontario adds a surtax on higher provincial tax. This estimate applies only the basic personal amounts; RRSP contributions and other credits would increase your take-home.

FAQ

Which provinces are covered?
Ontario, British Columbia and Alberta for now. Quebec is excluded because it runs QPP/QPIP and a separate provincial tax system.
Are RRSP contributions included?
No. RRSP contributions reduce taxable income and would increase your take-home; this tool uses gross income with only the basic personal amounts.
What is CPP2?
A second CPP contribution of 4% on earnings between the first ceiling ($71,300) and the second ceiling ($81,200), phased in since 2024.
Why is Alberta different?
Alberta has a high basic personal amount and an 8% rate on the first $60,000, so low-to-middle earners often pay less provincial tax than in Ontario or BC.