Calculators
Take-home pay
- Canada salary calculatorPay stub and annual tax in Alberta, British Columbia, Ontario or Quebec, with CPP or QPP and EI.
By province
- Ontario salary calculatorFederal and Ontario tax, the Ontario surtax and the Ontario Health Premium.
- BC salary calculatorFederal and British Columbia tax, with the BC tax reduction.
- Quebec salary calculatorFederal tax after the Quebec abatement, Quebec tax, QPP, QPIP and EI at the Quebec rate.
Other provinces and territories: use the Canada salary calculator.
How pay is taxed in Canada
A Canadian pay stub usually has four deductions taken off before any benefits or other deductions: federal tax, provincial or territorial tax, a public pension contribution and an employment insurance premium.
Federal tax. Employers take federal tax off each pay using the CRA T4127 Payroll Deductions Formulas (2026 edition) and the claim amount on your federal Form TD1. Federal brackets run from 14% on the first $58,523 of taxable income up to 33% above $258,482, and the federal basic personal amount is $16,452 (CRA T4127, 2026). Tax at source is an estimate of the year's tax; the final amount is settled on your return.
Provincial or territorial tax. Each province and territory sets its own brackets, basic personal amount and credits, and some add their own items, such as the Ontario surtax and Ontario Health Premium or the BC tax reduction (CRA T4127, 2026). Outside Quebec, the CRA collects provincial and territorial tax together with federal tax. Quebec tax is set and administered by Revenu Québec under TP-1015.F-V (2026), Quebec residents file a separate Quebec return, and they receive a federal abatement of 16.5% of basic federal tax (CRA T4127, 2026).
CPP or QPP. Outside Quebec, employees pay Canada Pension Plan contributions of 5.95% on earnings between $3,500 and the YMPE of $74,600, plus CPP2 of 4% on earnings between $74,600 and the YAMPE of $85,000 (CRA, 2026). In Quebec, the Quebec Pension Plan applies instead, at 6.3% with its own second additional contribution, QPP2 (Retraite Québec, 2026). Employers pay a matching share that does not come out of your pay.
EI and QPIP. Employment Insurance premiums are 1.63% of insurable earnings up to $68,900 (Employment and Social Development Canada / CRA, 2026). In Quebec, the EI rate is 1.3%, and employees also pay Québec Parental Insurance Plan premiums of 0.43% (Revenu Québec, 2026).
RRSP and union dues. RRSP contributions made through payroll and union dues reduce the income used for tax at source, though not the earnings used for CPP or EI (CRA T4127, 2026). Each calculator has them in a "More deductions" block.
Frequently asked questions
How much tax is taken off a pay stub in Canada?
It depends on your province or territory, pay and TD1 claim amounts. Every pay stub has federal tax, provincial or territorial tax, CPP or QPP and EI, and Quebec pay stubs also have QPIP (CRA T4127, 2026; Revenu Québec TP-1015.F-V, 2026). Use the Canada salary calculator to see each line for your pay.
Does every province have the same income tax?
No. Federal tax is the same across Canada, but each province and territory has its own brackets, basic personal amount and credits (CRA T4127, 2026). Quebec also runs its own tax system through Revenu Québec.
Where do the numbers in these calculators come from?
Federal and provincial figures come from the CRA T4127 Payroll Deductions Formulas (2026 edition), Quebec tax from Revenu Québec TP-1015.F-V (2026), CPP from the CRA, QPP from Retraite Québec and EI from Employment and Social Development Canada / CRA. The tax year, sources and check date appear under every result, and the /changelog records each table change.
Why is my real pay stub different from the estimate?
Your employer's payroll may include benefits, pension plan contributions, TD1 claim amounts other than the basic ones, or rounding the calculator does not know about. CPP, QPP, QPIP and EI also stop once the year's maximum is reached, so late-year pays can differ.
Estimate for tax year 2026 based on CRA T4127 Payroll Deductions Formulas (2026 edition). Not tax, legal or financial advice. Your employer's payroll may differ.