Take-home pay calculator
The number on the offer letter isn't the number that lands in your account. This works out your real net pay — after federal and provincial tax, CPP, and EI — for your province, on the 2026 tax rules. Then Recurna Flow shows you where that pay goes across your year.
Take-home pay calculator
Put in what you earn before tax — by year, hour, or anything between — and pick your province. See your real net pay after federal and provincial tax, CPP, and EI, then toggle the interval to read it however you like. On the 2026 tax rules. No signup.
- Take-home pay
- $57,676
- Income tax (federal + provincial)
- $11,954
- Federal tax
- $8,258
- Provincial tax
- $3,696
- CPP + CPP2
- $4,246
- Employment Insurance
- $1,123
- QPIP (parental insurance)
- $0
Your $0 RRSP contribution lowers your income tax by $0 this year — that's the part a contribution gives back.
On the 2026 tax year.
Recurna Flow
That's your real take-home. The part a calculator can't show you is where it goes — every bill, every account, every what-if across your whole year, redrawn the moment something changes.
Flow is in invite-only beta — apply once (reviewed weekly), and founding members get Pro free for a year.
Estimates only, not financial advice — a single employment income with the basic personal amount and standard CPP/QPP, EI, and (in Quebec) QPIP. Hourly and daily views assume your hours per week over 52 weeks (day = a 5-day week). Quebec is modelled with QPP, QPIP, the 16.5% federal abatement, and the deduction for workers. Your own credits and deductions may change the figure.
How this math works
Canada's income tax is marginal, not flat — each bracket's rate applies only to the income that falls within it. A raise that crosses into a higher bracket is taxed at that rate only on the portion above the threshold, so it never reduces your take-home pay overall, and the average rate you actually pay is always lower than your top marginal rate. CPP and EI premiums are capped: once your year-to-date contributions reach the annual maximum, those deductions stop for the rest of the year, which is why paycheques often get a little bigger later in the year with no change in salary. Provinces layer their own brackets and basic personal amount on top of the federal rules, which is why the same salary takes home differently depending on where you live — and Quebec differs further, with QPP and QPIP standing in for CPP and part of EI, plus a federal abatement. A bonus is taxed under the same brackets as regular pay; it can look more heavily taxed on the paycheque only because of how employers withhold one-time payments, not because of a different tax rate.
Why isn't a raise taxed at your top rate on your whole income?
Canada's tax brackets are marginal — each bracket's rate only applies to the income within it, not to everything you earn. A raise that pushes you into a new bracket is only taxed at the higher rate on the portion above the threshold, not on your full salary.
Why does take-home pay rise later in the year?
CPP and EI stop once you've contributed up to their annual maximums. Once you hit those caps, your paycheque no longer has those deductions taken off, so the same gross pay lands as more net pay for the rest of the year.
Why does the same salary take home differently in different provinces?
Federal tax, CPP, and EI are the same everywhere, but each province sets its own tax brackets and basic personal amount on top. Quebec is a further exception — QPP and QPIP replace CPP and part of EI, and a federal abatement applies.
Is a bonus taxed at a higher rate?
No — a bonus is taxed under the same marginal brackets as regular pay. It can look more heavily taxed on the paycheque because employers often withhold at a higher rate for one-time payments, but that's a withholding estimate, not the actual tax owed.