Canadian Take-Home Pay Calculator (2026)

The calculator uses the official 2026 federal and provincial brackets, basic personal amounts, CPP/QPP YMPE/YAMPE, EI/QPIP rates, and second-tier CPP2/QPP2 rates. It assumes employment income with no other credits, no RRSP deductions, and no non-employment income. Self-employed income, rental income, capital gains, and other deductions will change your actual take-home — for those scenarios, use the full Abaq app.

Federal income tax (4 brackets), provincial/territorial income tax (varies by jurisdiction — Quebec, Ontario, BC, and Alberta have all been verified for 2026 including new bracket structures like Alberta's 8% tier), CPP or QPP (based on province), and EI or EI+QPIP (Quebec residents pay both EI and QPIP).

Marginal rate is the tax you pay on the next dollar earned (your highest bracket). Effective rate is your actual total tax divided by gross income — always lower than marginal because lower brackets tax some of your income at lower rates. Both matter: marginal for "should I take this raise / contribute more to RRSP", effective for "how much do I actually pay".

Quebec collects its own provincial income tax (so federal tax is reduced via the abatement, but Quebec rates are also higher). Quebec residents also pay QPIP (Parental Insurance Plan) on top of EI, though the QPIP rate (0.430% for 2026) is offset by a reduced EI rate (1.30% vs 1.63% in the rest of Canada).

For most Canadians, no — the high-income BPA reduction (which kicks in around $181k federal income) is not modelled, so very high earners may see a take-home estimate that's $300-500/year higher than reality. For incomes under ~$180k, the calculator is accurate. We're working on the phase-out.

Starting in 2024, Canada introduced a second tier of CPP. Income above the YMPE (2026: $74,600) up to the YAMPE ($85,000) is contributed at an additional 4% rate. This calculator includes CPP2 (and QPP2 for Quebec) automatically.

Yes — every input updates the URL in real time. Copy the address bar and send it to your spouse or accountant. The recipient sees the same scenario with the same numbers, no signup required.