Canadian Salary Tax Calculator
See your real take-home pay after federal tax, provincial tax, CPP, CPP2, and EI - for every province, every pay frequency, with live RRSP refund. Sourced from CRA. Free, anonymous.
Your numbers
Your take-home pay
$57,389/yr
from $75,000 gross /yr
Where it goes /yr
YearlyGross income
$75,000
Federal tax
−$8,516
Provincial tax
−$3,726
CPP
includes CPP2: $16
−$4,246
EI
−$1,123
Take-home
$57,389
Effective tax rate
16.3%
income tax ÷ gross
Marginal tax rate
29.7%
on your next dollar
Total deductions
$17,611
tax + CPP + EI per year
Where your income ranks in Canada
Top 33% of Canadian tax filers
Your $75,000 total income is above the median Canadian ($44,100) - roughly the top 33% of filers.
Statistics Canada T1 Family File - total income of tax filers, 2023. This counts everyone who files (including part-year, part-time, and retired filers), so a full-time salary ranks a little lower against full-time earnings. Percentile is approximate.
RRSP contribution optimizer
Move the RRSP slider on the left and see how much tax you could save. Every dollar you contribute reduces your taxable income, and you get a refund at your marginal rate (29.7%).
Federal bracket breakdown
Federal bracket breakdown
Provincial bracket breakdown (ON)
Provincial bracket breakdown (ON)
Salary & tax calculator - FAQs
Common questions about how the calculator works and what to do with the result. For full review process and sources, see our Editorial Policy.
- How is my Canadian take-home pay calculated?
- Take-home pay is your gross salary minus federal income tax, provincial or territorial income tax, CPP (and CPP2 above the second earnings ceiling), and EI premiums. The exact amounts depend on your province of residence and the tax year. This calculator uses the official CRA brackets for 2024, 2025, and 2026.
- Does this calculator work for all Canadian provinces?
- Yes. Pick any of the 10 provinces (Ontario, Quebec, BC, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, Prince Edward Island) or the 3 territories (Yukon, Northwest Territories, Nunavut). Each has its own tax brackets and basic personal amount.
- Is the salary number I enter gross or net?
- Enter your annual gross salary - the number on your job offer or T4 box 14. The calculator subtracts taxes and contributions to show your net (after-tax) take-home pay.
- How does an RRSP contribution change my refund?
- An RRSP contribution reduces your taxable income by the contribution amount, so your refund increases by roughly your marginal tax rate times the contribution. For example, at a 30% combined marginal rate, a $5,000 RRSP contribution generates about a $1,500 refund. The calculator shows this live as you adjust the slider.
- What's the difference between marginal and effective tax rate?
- Your marginal rate is the tax on your next dollar of income (the rate of your highest bracket). Your effective rate is total tax divided by total income - always lower than the marginal rate because lower brackets tax earlier dollars at lower rates. Use marginal for decisions like RRSP contributions; use effective to compare overall tax burden.
- Does this calculator include CPP2?
- Yes. CPP2 is the second earnings ceiling introduced in 2024 - once your pensionable earnings cross the first ceiling ($74,600 in 2026), an additional 4% CPP2 contribution applies up to the second ceiling. The calculator handles both tiers automatically.
- Is this calculator official?
- No - this is an educational tool that uses publicly available CRA brackets and rates. For official numbers always cross-check at canada.ca, and consult a CPA or licensed tax professional for advice specific to your situation. See our Editorial Policy for sourcing and review process.
- Why doesn't my real paycheque match this calculator?
- Real paycheques may differ because of (a) employer-deducted RPP or RRSP contributions taken pre-tax, (b) group benefits and disability insurance premiums, (c) union dues, (d) extra federal tax requested on your TD1 form, and (e) signing bonuses or RSUs taxed at supplemental rates. The calculator estimates standard salary; talk to payroll if a specific number is far off.