Canadian Paycheck Calculator

CPP is calculated at 5.95% of your pensionable earnings between $3,500 and $74,600 for 2026. The maximum employee CPP contribution is $4,230.45. Higher earners also pay CPP2 at 4% on earnings between $74,600 and $85,000, maximum $416.

The EI premium rate for 2026 is 1.63% of insurable earnings up to $68,900. The maximum annual employee EI premium is $1,123.07. Quebec residents pay 1.30% because the provincial QPIP program covers parental benefits separately. Source: CRA EI Rates 2026.

In Ontario you pay federal tax (14%–33%), Ontario provincial tax (5.05%–13.16%), CPP (5.95%), and EI (1.63%). On a $75,000 salary your estimated take-home is approximately $56,000–$58,000 per year — around $2,150–$2,230 biweekly.

Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what lands in your bank account after federal tax, provincial tax, CPP, and EI are deducted. For most Canadians net pay is 70%–80% of gross pay.

Alberta has the lowest provincial income tax with a flat rate starting at 10% and a high basic personal amount of $21,003 for 2026. Nunavut also has very low rates starting at 4%. Quebec generally has the highest combined tax burden.

Quebec uses QPP (Quebec Pension Plan) at 6.40% instead of CPP's 5.95%. Quebec residents also pay QPIP at 0.494% and receive a 16.5% federal tax abatement since Quebec funds many programs provincially.

Enter your biweekly gross amount, select Bi-weekly as frequency and Per Paycheque as amount type, choose your province, and click Calculate. The tool annualizes your pay, applies all 2026 deductions, then divides by 26 to give your net biweekly take-home.

The federal Basic Personal Amount (BPA) for 2026 is $16,452. It's a non-refundable tax credit — effectively meaning the first $16,452 of your income is not taxed federally. Every province has its own BPA as well, ranging from $8,481 in Nova Scotia to $21,003 in Alberta.