Salary Calculator

Canadian Salary Calculator: Gross to Net Pay

This salary calculator turns your gross pay into your take-home pay after income tax and payroll deductions, for every province and territory in Canada. Enter what you earn per year, month, two weeks, week, day or hour, choose where you work, and it shows your net pay in all six time frames, along with how much goes to federal tax, provincial tax, the Canada Pension Plan (the Quebec Pension Plan in Quebec), Employment Insurance and, in Quebec, parental insurance (QPIP). It uses 2026 rates and updates the moment you change a number.

What Is Deducted From Your Paycheque?

• Federal income tax — progressive brackets from 14% up to 33%, reduced by your personal credits. Quebec residents get a 16.5% federal abatement because Quebec collects its own tax.
• Provincial or territorial income tax — each province sets its own brackets and credits. Ontario also adds a surtax on higher provincial tax and an income-based health premium.
• CPP or QPP contributions — 5.95% (Quebec 6.30%) of earnings between $3,500 and $74,600, plus a second contribution of 4% on earnings from $74,600 up to $85,000.
• Employment Insurance (EI) — 1.63% of earnings up to $68,900 (1.30% in Quebec, where parental benefits come from QPIP instead).
• QPIP — 0.430% of earnings up to $103,000 for Quebec employees.

Worked Example

A $60,000 annual salary, working 40 hours over 5 days a week, works out to $28.85/hour, $230.77/day, $1,153.85/week, and $5,000/month.

Average Rate vs. Marginal Rate

Your average tax rate is total tax and contributions divided by gross pay — the share of your salary that goes to government overall. Your marginal rate is the share of your next dollar that is taxed. Canada's system is progressive, so only the income inside each bracket is taxed at that bracket's rate: earning a raise never reduces your take-home pay, but it is taxed more heavily than your earlier dollars. The marginal rate is the number to use when you are weighing overtime, a bonus or a side job; the bonus table shows what a lump sum is worth after tax.

Which Province Pays You the Most Net?

The same gross salary can leave you with noticeably different net pay depending on where you live. The province comparison ranks all 13 jurisdictions for your salary, so you can see the effect of moving or taking a remote job based elsewhere. Territories with lower rates and larger personal amounts generally leave more, while Quebec's higher provincial tax is partly offset by its lower federal tax and its own benefit programs.

What Your Employer Pays on Top

Employers pay payroll contributions on your salary as well: they match your CPP or QPP contributions and pay 1.4 times your EI premium (a separate rate applies in Quebec, along with a QPIP share). That is part of the real cost of employing you, so the "real tax rate" shown on this page counts both sides of the contributions.

Converting Between Hourly, Weekly, Monthly and Yearly Pay

Pay periods are converted using your hours and days per week: yearly pay is divided by 12 for monthly, 26 for biweekly, 52 for weekly, and by your working days or hours in a year for daily and hourly rates. A $60,000 salary at 40 hours a week is $28.85 an hour before tax. Use your real schedule — part-time hours change the hourly figures but not the annual total.

What Is Not Included

This estimate is for a single employee with no dependants and only the basic personal amount, the Canada employment amount and the CPP/QPP, EI and QPIP credits. It does not include RRSP contributions, union dues, benefit premiums, tuition or medical credits, spousal amounts, or income from other sources, and some provinces' smaller credits are left out. Your payslip may differ by a little; for exact figures use the CRA or Revenu Québec payroll tools. To plan around your take-home pay, try the Budget Calculator and the Rent Calculator, and for raises and bonuses use the Percentage Calculator.