Canada Salary Calculator 2026: Federal Tax, Provincial Tax, CPP & EI Breakdown
Canadian workers face a two-tier income tax system: federal tax with five progressive brackets ranging from 15% to 33%, plus provincial or territorial tax that varies dramatically across the country. A worker earning C$65,000 in Ontario takes home roughly C$50,500, while the same salary in Alberta yields about C$51,800 — a difference driven entirely by provincial tax rates. Quebec has the highest combined rates, while Alberta and the territories tend to be the lowest.
Beyond income tax, Canadian employees contribute to the Canada Pension Plan (CPP) at 5.95% on earnings between C$3,500 and C$68,500, plus a second enhanced CPP contribution (CPP2) on earnings up to C$73,200. Employment Insurance (EI) premiums add 1.63% on insurable earnings up to C$63,200. These mandatory contributions, combined with federal and provincial tax, mean most Canadians take home 65-78% of their gross salary depending on province and income level.
This calculator converts Canadian salaries across all standard pay frequencies and adjusts for statutory holidays and vacation time. Canada mandates a minimum of two weeks paid vacation federally, though most provinces require two to three weeks and many employers offer more. Enter your gross salary in Canadian dollars to see your pay breakdown across all periods.
Key Data & Statistics
| Metric | Value |
|---|---|
| Federal Basic Personal Amount | C$16,129 (tax-free) |
| Federal Tax Brackets | 15% - 33% (5 brackets) |
| CPP Employee Contribution | 5.95% (C$3,500 - C$68,500) |
| EI Employee Premium | 1.63% (up to C$63,200) |
| Provincial Tax Range | 4% (Nunavut low) - 25.75% (Quebec high) |
| Ontario Top Rate | 13.16% (over C$220,000) |
| Alberta Provincial Rate | 10% flat (up to C$148,269) |
| Median Canadian Salary | ~C$60,000 |
Pre-Calculated Examples
| Scenario | Gross | Net / Result | Details |
|---|---|---|---|
| C$45,000 (Ontario) | C$45,000 | C$36,200 | Fed ~$4,100 + Prov ~$1,900 + CPP ~$2,400 + EI ~$700 |
| C$65,000 (Ontario) | C$65,000 | C$50,500 | Fed ~$7,200 + Prov ~$3,500 + CPP ~$3,600 + EI ~$1,000 |
| C$90,000 (Ontario) | C$90,000 | C$67,800 | Fed ~$12,000 + Prov ~$5,600 + CPP ~$3,800 + EI ~$1,000 |
| C$65,000 (Alberta) | C$65,000 | C$51,800 | Fed ~$7,200 + Prov ~$2,300 + CPP ~$3,600 + EI ~$1,000 |
| C$65,000 (Quebec) | C$65,000 | C$48,200 | Fed ~$5,800 (abatement) + Prov ~$7,200 + QPP ~$3,900 + EI ~$900 |
Calculate Your Salary
Salary Information
Enter your salary information to see all pay frequency conversions
Who Uses This Calculator?
Provincial comparison
Compare take-home pay for the same gross salary across Canadian provinces to understand the real financial impact of provincial tax rate differences.
Immigration salary planning
New immigrants to Canada can calculate expected take-home pay and understand mandatory deductions like CPP and EI that may not exist in their home country.
Cross-border comparison
Compare Canadian and US compensation by converting salaries to after-tax figures in each country, accounting for differences in healthcare costs and social benefits.
RRSP contribution planning
Calculate how RRSP (Registered Retirement Savings Plan) contributions reduce your taxable income and increase immediate take-home pay through tax refunds.