Canada salary after tax calculator (2026)
Enter your gross yearly salary and see what you keep after federal income tax, Canada Pension Plan contributions and Employment Insurance for 2026.
Scope: Federal tax only, for an employee living outside Quebec. Provincial or territorial tax is extra and is not included.
How the calculation works
- CPP is worked out first: 5.95% of earnings between $3,500 and $74,600, plus a second CPP contribution (CPP2) of 4% on earnings between $74,600 and $85,000.
- Employment Insurance is 1.63% of earnings up to $68,900.
- For federal tax, the enhanced CPP part (1% of the base band plus all of CPP2) is deducted from income, then the five federal brackets apply.
- Two credits then reduce the federal tax: the basic personal amount (up to $16,452, tapering to $14,829 for higher incomes) and the base CPP contribution, both credited at the lowest rate of 14%.
- Take-home pay is your gross salary minus federal tax, CPP, CPP2 and EI.
Rates used
| Item | Amount |
|---|---|
| Federal brackets | 14% to $58,523 · 20.5% to $117,045 · 26% to $181,440 · 29% to $258,482 · 33% above |
| Basic personal amount | $16,452, tapering linearly to $14,829 between $181,440 and $258,482 |
| CPP | 5.95% on $3,500–$74,600 (maximum $4,230.45) |
| CPP2 | 4% on $74,600–$85,000 (maximum $416) |
| Employment Insurance | 1.63% on earnings up to $68,900 (maximum $1,123.07) |
Not included: Provincial and territorial income tax is NOT included, so your actual take-home pay will be lower than shown here — in most provinces by a large amount. Quebec is excluded entirely (Quebec Pension Plan and Quebec Parental Insurance Plan work differently). The Canada employment amount and other credits are not modelled.
Sources
- Government of Canada — Department of Finance report on the 2026 federal rate structure
- Canada Revenue Agency — CPP enhancement and second additional contributions
Last updated: 4 November 2026. Figures are for the tax year shown and change when the tax authority updates them.
Estimates only. This calculator gives an estimate for a standard case in the scope above. It is not tax advice and does not replace your payslip, your tax return or an accountant. If your situation includes anything listed under “Not included”, your real take-home pay will differ.