Canada · 2026 tax year
Take-Home Pay Calculator
What actually lands in your account, after income tax, CPP and EI, using the 2026 federal and provincial rates. Then see how the same pay works out in every other province.
Same pay, every province
How we calculate this
We apply the 2026 federal and provincial brackets from CRA, then subtract the non-refundable credits most employees get: the basic personal amount (federal $16,452, phasing down to $14,829 above $181,440), the Canada employment amount ($1,501), and credits for base CPP and EI. The enhanced CPP and CPP2 are deducted from income, as on your return. Ontario also adds its surtax and Health Premium. The marginal rate is the tax on your next $100 of pay.
What isn't included
Quebec; refundable benefits (Canada Workers Benefit, GST credit, CCB); provincial low-income reductions (e.g. BC and Ontario tax reductions); Alberta's supplemental credit; dividends, capital gains, pension splitting, and credits for age, disability, tuition, medical, donations or dependants. Your employer's payroll withholding can differ slightly from your actual year-end tax.
What to do next
Tax software
File your 2026 return and claim every credit you're owed. [Partner link: tax software]
Compare tax software →High-interest savings
Park the difference between your gross and net pay where it earns something. [Partner link: HISA comparison]
Compare savings accounts →Budgeting app
Turn your take-home pay into a monthly plan. [Partner link: budgeting tool]
Try a budget tool →Sources & assumptions
This is an estimate, not a tax return. It uses 2026 rates and the most common credits only. Your actual tax depends on your full return. NorthNumbers isn't affiliated with any bank, lender, dealer or government agency. Nothing here is financial, tax or legal advice.