Canada Paycheck Tax Calculator 2024 & 2025
Calculate your exact Canadian take-home pay after federal income tax, CPP contributions, EI premiums, and provincial income tax. Covers all 10 provinces with 2025 and 2026 rates.
Pre-Tax Deductions
Post-Tax Deductions
Additional Withholding
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Calculate by province
How Canadian paycheck taxes work
Every Canadian paycheck is subject to four main deductions. Federal income tax uses progressive brackets ranging from 15% to 33% in 2025. The federal Basic Personal Amount (BPA) of $16,129 (2025) generates a non-refundable tax credit that reduces your federal tax owing.
CPP contributions (Canada Pension Plan) are 5.95% of pensionable earnings between $3,500 and $71,300 (2025 YMPE). High earners also contribute CPP2 at 4% on earnings between the YMPE and the Year's Additional Maximum Pensionable Earnings ($81,900 in 2025). Quebec workers contribute to QPP instead of CPP at a higher rate of 6.4%.
EI premiums (Employment Insurance) are 1.64% (2025) on insurable earnings up to $65,700. Quebec workers pay a reduced EI rate of 1.30% because they also pay into the Quebec Parental Insurance Plan (QPIP).
Provincial income tax is levied by each province at its own set of progressive brackets. Ontario and most other provinces use the same taxable income base as the federal calculation. Ontario also has a surtax on higher provincial tax amounts. Alberta is Canada's most tax-friendly province, with a 10% rate on the first $148,269 of income and one of the highest basic personal amounts in the country at $21,003.
2026 Canadian Federal Income Tax Brackets
| Rate | Income Range (all filing statuses) |
|---|---|
| 15% | $0 – $58,523 |
| 20.5% | $58,524 – $117,045 |
| 26% | $117,046 – $161,689 |
| 29% | $161,690 – $258,482 |
| 33% | $258,483+ |
Federal Basic Personal Amount (2026): $16,452. Canada uses a single set of brackets (no separate married/single rates). Source: CRA T4032 Payroll Deductions Tables.
CPP and EI rates 2026
| Contribution | Employee Rate | Maximum Earnings | Max Employee Contribution |
|---|---|---|---|
| CPP | 5.95% | $74,600 (YMPE) | ~$4,230 |
| CPP2 | 4.00% | $85,000 (YAMPE) | ~$416 |
| EI | 1.63% | $68,900 (MIE) | ~$1,123 |
| QPP (QC) | 6.40% | $74,600 (YMPE) | ~$4,550 |
| QPIP (QC) | 0.494% | $103,000 | ~$509 |
| EI – QC | 1.30% | $68,900 (MIE) | ~$896 |
Employers match CPP/QPP at 1:1 and EI at 1.4× the employee premium. These employer contributions are shown informational-only in the breakdown table.