Canada Take-Home Pay Calculator
How much of your salary actually lands in your bank account? This calculator deducts 2026 income tax, CPP, EI and any RRSP contribution from your gross pay, by province.
How to use this calculator
- Enter gross annual salary.
- Enter province or territory.
- Enter rRSP contribution.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
Your employer deducts four things from gross pay: federal income tax, provincial income tax, CPP, and EI. For 2026, CPP is 5.95% of pensionable earnings between $3,500 and $74,600 plus 4% on $74,600–$85,000 (maximum $4,646.45), and EI is 1.63% on insurable earnings up to $68,900 (maximum $1,123.07). An RRSP contribution is subtracted from your taxable income before tax is calculated — it lowers your tax bill dollar for dollar at your marginal rate while the money stays yours in the RRSP. Worked example: a $90,000 Ontario salary with a 5% RRSP contribution pays about $16,378 in income tax, $4,646 in CPP and $1,123 in EI, and takes home roughly $63,350 a year — about $5,280 a month.
Frequently asked questions
What is the average Canadian take-home pay?
The median Canadian salary is around $58,000–$65,000. A $60,000 Ontario salary takes home roughly $4,100 a month after tax, CPP and EI; at $90,000 you take home about $5,800–6,000 a month depending on province and RRSP contributions.
What are the CPP and EI deductions for 2026?
CPP is 5.95% on earnings between $3,500 and $74,600 plus an additional 4% on earnings between $74,600 and $85,000 — a maximum employee contribution of $4,646.45. EI is 1.63% on earnings up to $68,900, max $1,123.07. Both stop once you hit the ceiling, which is why high earners see a jump in take-home pay late in the year.
How does an RRSP contribution affect take-home pay?
An RRSP contribution reduces your taxable income, so it lowers the tax withheld — but the contribution itself comes out of your pay. A $4,500 RRSP contribution on a $90,000 salary saves roughly $1,335 in tax, so it only reduces monthly take-home by about $264 rather than $375.
Why does take-home pay differ between provinces?
Each province has its own tax brackets, BPA, and in some cases surtaxes or health premiums. A $90,000 salary nets about $66,750 in British Columbia, $66,500 in Ontario and $65,930 in Alberta — a few hundred dollars a year apart, driven purely by where you live. The gap widens at higher incomes where BC's top rate stays low until $265,545.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect the current tax year and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: canada.ca tax rates · CPP rates · CMHC mortgage insurance.