In Canada your net pay depends on federal and provincial income tax, plus CPP and EI deductions. These calculators use the 2026 brackets so you can see what you actually keep, wherever you live.

From gross to net

Federal tax is progressive, from 14% to 33%, with a basic personal amount of $16,452 you don't pay tax on. Your province adds its own tax on top (in Ontario, 5.05%–13.16%). Then CPP takes 5.95% (plus CPP2 above the first ceiling) and EI takes 1.63% up to $68,900.

Provinces, the dollar and inflation

Because provincial rates differ, two people on the same salary can take home quite different amounts. As a reference, the US dollar is around 1.38 CAD, and since 2010 prices are up about 1.44× (StatCan CPI).

At a glance

Key 2026 numbers

Item	2026 value (reference)
Federal income tax	14% – 33% (progressive)
Basic personal amount	$16,452
CPP contribution	5.95% (+CPP2 4%)
EI premium	1.63% (up to $68,900)
Provincial tax (e.g. Ontario)	5.05% – 13.16%
USD / CAD	~1.38
Inflation since 2010 (CPI)	prices ~1.44× (100 → 144)

Heads up

These figures are estimates and change each year (federal and provincial brackets, CPP/EI rates and ceilings). Your exact tax depends on your province and credits. This is not tax advice.

FAQ

Common questions

You pay both federal (14%–33%) and provincial tax, each progressive. Only the income within each bracket is taxed at that rate, and the basic personal amount is tax-free.

CPP is the Canada Pension Plan (5.95% of pensionable earnings, plus CPP2 above the first ceiling). EI is Employment Insurance (1.63%, up to $68,900 of insurable earnings).

Provincial tax rates differ a lot. Someone in Alberta, Ontario or Quebec on the same gross salary can take home noticeably different amounts.

It's the income you can earn before paying federal tax — $16,452 in 2026. Each province has its own basic personal amount as well.

By StatCan CPI (base 100 in 2010), prices are around 144 — roughly 44% higher than in 2010.