Take-Home Pay Calculator
Enter your salary and province to estimate what actually reaches your bank account after federal tax, provincial tax, CPP contributions and EI premiums. Results are estimates based on 2025 rates.
0.0% of your gross pay.
Enter amounts to see this chart.
Slices are annual amounts; the percentages show what share of gross pay each one takes.
| Deduction | Annual | Monthly |
|---|---|---|
| Federal income tax | $0 | $0 |
| Provincial income tax | $0 | $0 |
| CPP | $0 | $0 |
| EI premiums | $0 | $0 |
| Take-home pay | $0 | $0 |
What this means
On a $0 salary in Ontario, roughly $0 a month actually lands in your account.
How it works
Your gross salary is not your spending money. Federal tax, provincial tax, CPP (or QPP in Quebec) and EI come off every paycheque. Build your budget from take-home pay, never gross pay.
Estimate only, using 2025 brackets and the basic personal amount. It ignores other credits, benefits, RRSP deductions and employer plans.
Nothing you type here is saved or sent anywhere — it stays in your browser.
What comes off a Canadian paycheque
Four deductions explain most of the gap between gross and net pay: federal income tax, provincial income tax, CPP (or QPP in Quebec) and EI premiums. Employer benefits, pension contributions and union dues come off on top of those and vary by workplace.
Marginal rate vs average rate
Canada uses graduated brackets, so your top bracket only applies to the last dollars you earn. A raise is never taxed away entirely — your average rate stays well below your marginal rate, which is why a bonus still increases your take-home pay.
Why the estimate can differ from your pay stub
This calculator uses the basic personal amount and standard payroll rates. Extra credits, RRSP payroll deductions, taxable benefits, or CPP and EI maximums reached mid-year will shift your real stub. Treat the result as a planning estimate.
Common questions
- Which tax year does this use?
- 2025 federal and provincial brackets, plus 2025 CPP and EI rates. Canadian figures change yearly, so results are estimates.
- Does it include RRSP or benefit deductions?
- No. It covers income tax, CPP and EI. Workplace deductions like pension, benefits and union dues come off after that.
Related WealthTree tools
Learn the ideas behind this tool
Short Canadian lessons from the free Financial Survival path.
Understand the numbers, not just the answer
WealthTree teaches Canadian money basics in 5-minute lessons — TFSAs, RRSPs, FHSAs, credit and investing. The first path is free.