2026 Canadian take-home pay and income tax calculator
Short answer
Take-home pay in Canada is your salary minus federal and provincial income tax, Canada Pension Plan (CPP and CPP2) contributions and Employment Insurance (EI) premiums. In 2026 the lowest federal tax rate is 14%, and an employee pays at most $4,646.45 in CPP and CPP2 and $1,123.07 in EI. On a $90,000 salary in British Columbia, that leaves about $2,622.82 every two weeks.
Calculate your 2026 take-home pay
Lowers the tax taken off each pay.
Take-home pay · every two weeks
$2,622.82
$68,193 a year · average tax rate 17.8% · marginal rate 28.2%
- Take-home
- Income tax
- CPP + CPP2
- EI
How much would you take home in every province?
On $90,000, you keep the most in Nunavut ($69,404) and the least in Nova Scotia ($62,596), a gap of $6,808 a year. British Columbia ranks 2nd of 13 for take-home pay.
British ColumbiaYOU
- Take-home
- $68,193
- Income tax
- $16,037
- Average rate
- 17.8%
| # | Province | Take-home | Income tax |
|---|---|---|---|
| 1 | Nunavut | $69,404 | $14,827 |
| 2 | British ColumbiaYOU | $68,193 | $16,037 |
| 3 | Northwest Territories | $68,114 | $16,116 |
| 4 | Yukon | $67,948 | $16,282 |
| 5 | Alberta | $67,509 | $16,722 |
| 6 | Ontario | $67,197 | $17,034 |
| 7 | Saskatchewan | $65,588 | $18,643 |
| 8 | Manitoba | $64,770 | $19,461 |
| 9 | New Brunswick | $64,665 | $19,566 |
| 10 | Newfoundland and Labrador | $64,227 | $20,004 |
| 11 | Prince Edward Island | $63,499 | $20,731 |
| 12 | Quebec | $62,959 | $20,863 |
| 13 | Nova Scotia | $62,596 | $21,634 |
Income tax is federal plus provincial. Take-home also subtracts CPP or QPP, EI and, in Quebec, QPIP.
How much tax is deducted from a $90,000 salary in BC?
On a $90,000 salary in British Columbia, about $11,252 of federal tax and $4,786 of BC tax is deducted in 2026. CPP and CPP2 take $4,646 and EI takes $1,123.
That leaves $68,193 a year: $2,622.82 on each of 26 bi-weekly pay days. The marginal rate on the next dollar earned is 28.2%.
Where in Canada do you keep the most of a $90,000 salary?
On a $90,000 salary in 2026, you keep the most in Nunavut ($69,404 a year) and the least in Nova Scotia ($62,596), a difference of $6,808.
Federal tax is the same everywhere except Quebec, so the gap comes from provincial tax. Use the map above to compare any salary.
| Province or territory | Take-home | Income tax | Average rate |
|---|---|---|---|
| Nunavut | $69,404 | $14,827 | 16.5% |
| British Columbia | $68,193 | $16,037 | 17.8% |
| Northwest Territories | $68,114 | $16,116 | 17.9% |
| Yukon | $67,948 | $16,282 | 18.1% |
| Alberta | $67,509 | $16,722 | 18.6% |
| Ontario | $67,197 | $17,034 | 18.9% |
| Saskatchewan | $65,588 | $18,643 | 20.7% |
| Manitoba | $64,770 | $19,461 | 21.6% |
| New Brunswick | $64,665 | $19,566 | 21.7% |
| Newfoundland and Labrador | $64,227 | $20,004 | 22.2% |
| Prince Edward Island | $63,499 | $20,731 | 23.0% |
| Quebec | $62,959 | $20,863 | 23.2% |
| Nova Scotia | $62,596 | $21,634 | 24.0% |
What are the 2026 federal income tax brackets?
Five federal brackets apply to 2026 taxable income, starting at 14% CRA. Each rate applies only to the income inside its bracket.
| Taxable income | Federal rate |
|---|---|
| $0 to $58,523 | 14.0% |
| $58,523 to $117,045 | 20.5% |
| $117,045 to $181,440 | 26.0% |
| $181,440 to $258,482 | 29.0% |
| Over $258,482 | 33.0% |
What are the provincial rates?
Each province and territory adds its own tax, with its own lowest rate and tax-free basic personal amount.
| Province or territory | Lowest rate | Tax-free amount |
|---|---|---|
| British Columbia | 5.60% | $13,216 |
| Alberta | 8.00% | $22,769 |
| Saskatchewan | 10.50% | $20,381 |
| Manitoba | 10.80% | $15,780 |
| Ontario | 5.05% | $12,989 |
| Quebec | 14.00% | $18,952 |
| New Brunswick | 9.40% | $13,664 |
| Nova Scotia | 8.79% | $11,932 |
| Prince Edward Island | 9.50% | $15,000 |
| Newfoundland and Labrador | 8.70% | $13,094 |
| Yukon | 6.40% | $16,452 |
| Northwest Territories | 5.90% | $18,198 |
| Nunavut | 4.00% | $19,659 |
How much are CPP and EI deductions in 2026?
CPP is 5.95% of earnings between $3,500 and $74,600, up to $4,230.45 a year CRA.
CPP2 is a second contribution of 4% on earnings between $74,600 and $85,000, up to $416.00.
EI premiums are 1.63% of insurable earnings up to $68,900, for a maximum of $1,123.07.
What is different in Quebec?
Quebec workers pay into the Quebec Pension Plan at 6.30% (up to $4,479.30) instead of CPP, pay Quebec Parental Insurance Plan premiums, and pay a lower EI rate of 1.30% Revenu Québec. Their federal tax is cut by a 16.5% abatement, and they pay Quebec income tax instead.
How do I estimate my take-home pay?
- 1
Start with your gross salary
Use your yearly salary before any deductions, plus any taxable benefits.
- 2
Subtract CPP, CPP2 and EI
CPP is 5.95% of earnings between $3,500 and $74,600, CPP2 is 4% up to $85,000, and EI is 1.63% up to $68,900.
- 3
Work out federal and provincial tax
Apply the 2026 brackets to your taxable income, then subtract non-refundable credits such as the basic personal amount, base CPP, EI and the Canada employment amount.
- 4
Divide by your pay periods
Divide the yearly net pay by 26 for bi-weekly, 24 for twice a month, 12 for monthly or 52 for weekly pay.
Frequently asked questions
What is the take-home pay on a $60,000 salary in Ontario?
A $60,000 salary in Ontario takes home about $47,340 a year in 2026, or $3,944.98 a month, after $8,321 of income tax, $3,362 of CPP and $978 of EI.
How much do I take home on $120,000 in Alberta?
On $120,000 in Alberta you take home about $88,258 a year in 2026, or $3,394.54 every two weeks. Your marginal tax rate is 36.0%.
Where do these numbers come from?
This calculator follows the CRA's 2026 payroll formulas for every province and territory, and Revenu Québec's rules for Quebec. It is an estimate for a full year of employment income: small low-income reductions outside BC and Ontario, and Quebec's deduction for employment income, are not included. For exact payroll amounts, check the CRA's Payroll Deductions Online Calculator.