2026
Paycheque calculator
Estimate 2026 take-home pay from employment income in any province or territory. People also call this a paycheck calculator or an income tax calculator.
Last updated
Take-home pay
$2,189.45
biweekly, from $56,925.82 a year
- Federal income tax
- $8,258.60 / year
- Ontario income tax
- $3,696.06 / year
- Ontario health premium
- $750.00 / year
- CPP employee contribution
- $4,230.45 / year
- CPP2 employee contribution
- $16.00 / year
- EI premium
- $1,123.07 / year
- Total tax and deductions
- $18,074.18 / year
Federal bracket 20.5%. Ontario bracket 9.15%. Estimated marginal tax on the next $100 is 28.46%. About 67.54% of that $100 is kept after tax and payroll deductions.
What this calculates
Enter annual employment income, an optional RRSP contribution deducted from pay, and a pay frequency. The result is an annual tax estimate divided across pays. It includes federal tax at the 2026 rates (the lowest rate is 14%), provincial or territorial tax, the Canada employment amount, and employee CPP, CPP2 and EI. Quebec uses QPP, QPIP and the reduced EI rate.
Worked example
An Ontario employee earns $75,000.00 and contributes nothing to an RRSP. CPP, CPP2 and EI are deducted. Paid biweekly (26 pays), estimated take-home pay is $2,189.45 per pay, or $56,925.82 for the year. Federal tax is $8,258.60. Ontario income tax is $3,696.06 and the Ontario health premium is $750.00.
2026 federal brackets
Each rate applies only to income inside that bracket. The brackets were retrieved October 29, 2026.
| Taxable income | Rate |
|---|---|
| Up to $58,523.00 | 14% |
| $58,523.01 to $117,045.00 | 20.5% |
| $117,045.01 to $181,440.00 | 26% |
| $181,440.01 to $258,482.00 | 29% |
| $258,482.00 and over | 33% |
Province and territory pages
- Alberta income tax calculator
- British Columbia income tax calculator
- Manitoba income tax calculator
- New Brunswick income tax calculator
- Newfoundland and Labrador income tax calculator
- Northwest Territories income tax calculator
- Nova Scotia income tax calculator
- Nunavut income tax calculator
- Ontario income tax calculator
- Prince Edward Island income tax calculator
- Quebec income tax calculator
- Saskatchewan income tax calculator
- Yukon income tax calculator
Methodology
This is a full-year estimate for one employer and employment income only. It uses 2026 federal brackets, the basic personal amount (including the high-income phase-out), and the Canada employment amount. Provincial and territorial brackets and basic amounts come from the CRA payroll formulas, except Quebec brackets, which come from Revenu Québec. The first-bracket rate is used for non-refundable credits.
Employee CPP or QPP is split into a base portion (a tax credit) and additional portions (deducted in the taxable-income estimate). CPP2 or the second additional QPP is deducted the same way. EI uses the Quebec rate and the QPIP premium when the province is Quebec. Quebec federal tax is reduced by the 16.5% abatement, and Quebec taxable income is reduced by the deduction for workers.
Ontario includes the surtax, the health premium, and the basic tax reduction without dependant amounts. British Columbia includes the 2026 tax-year reduction of $690, not the prorated withholding amounts. Yukon includes the territorial employment amount. Take-home pay is annual employment income minus tax, employee payroll deductions, and any RRSP contribution you enter.
The estimate does not include a spouse or dependant amount, tuition, donations, union dues, the Canada workers benefit, the GST/HST credit, northern residency, or self-employed contributions. Biweekly results use 26 pays. A calendar year can have 27. Mid-year withholding in British Columbia, Newfoundland and Labrador, and Prince Edward Island can differ from this tax-year estimate because employers use prorated rates for part of the year.
TODO-verify: Manitoba's individuals tax-rates page lists thresholds of $47,564 and $101,200. T4127 for January and July 2026 lists $47,000 and $100,000 and says those thresholds are not indexed. Manitoba results use T4127.
Sources
- CRA — Current year tax rates and income brackets (2026)
- CRA T4127, 122nd edition (January 2026), BPAF formula
- CRA T4032-ON (January 2026), Canada employment amount
- CRA — CPP contribution rates, maximums and exemptions (2026)
- CRA — Second additional CPP contribution rates and maximums (2026)
- CRA — EI premium rates and maximums (2026, outside Quebec)