Take-Home Pay Calculator
Pick your province and enter your salary, and we'll calculate your federal tax, provincial tax, CPP, and EI automatically using 2025 Canadian tax brackets.
Benefits, pension, union dues, etc.
Your Take-Home Pay
Per-Period Take-Home
per
Annual Take-Home
Effective Tax Rate
Marginal Rate
Pay Breakdown
| Per | Annual | |
|---|---|---|
| Gross Pay | ||
| Federal Tax | ||
| EI | ||
| QPIP | ||
| Ontario Health Premium | ||
| Other | ||
| Net Pay |
How we calculated this:
Federal tax: (progressive brackets, after BPA, CPP/EI credits, and employment amount)
tax: (progressive brackets, after BPA and CPP/EI credits; includes Ontario surtax; includes PEI surtax)
: ( on earnings from $3,500 to $71,300, plus 4% CPP2 to $79,400)
EI: ( on earnings up to )
Ontario Health Premium: (income-based, max $900/yr)
CPP and EI are shown as annual averages per pay period. Your actual pay stubs will show higher CPP/EI early in the year until the annual maximum is reached, then $0 for the rest of the year.
Estimates based on 2025 rates. Does not include workplace deductions (benefits, pension, LTD). This is not tax advice.
Understanding Your Paycheck
Your gross salary and your take-home pay are very different numbers. Between federal and provincial income taxes, Canada Pension Plan (CPP) contributions, and Employment Insurance (EI) premiums, a significant portion of your earnings goes to mandatory deductions before you see a dollar. Understanding these deductions helps you budget realistically based on what actually lands in your bank account.
Income taxes in Canada are calculated using progressive tax brackets. You don't pay the top rate on your entire income, only on the portion that falls within each bracket. Both federal and provincial governments have their own bracket systems. The basic personal amount (BPA) is the portion of income you can earn tax-free.
CPP is Canada's national pension program. In 2025, employees contribute 5.95% on earnings between $3,500 and $71,300 (max $4,034). A second tier (CPP2) adds 4% on earnings between $71,300 and $79,400. Quebec has its own plan (QPP) at a slightly higher rate. EI provides temporary income if you lose your job. You pay 1.64% up to $65,700 (lower rate in Quebec since QPIP covers parental benefits separately).
Knowing your true take-home pay is the foundation of good budgeting. Once you know the exact amount that hits your account each pay period, you can allocate it confidently to your envelopes, savings goals, and day-to-day spending.
Budget with what you actually earn
Hearth helps couples budget from real take-home pay. No guessing.