Canadian Payroll Calculator 2026
Calculate employee take-home pay with CPP, EI, and income tax deductions for any province.
Also available by province:
Payroll Calculator Canada 2026
CPP, EI, federal and provincial income tax
Net Take-Home Pay
$53,556.74
/year
Total Deductions
$16,443.26
/year
Effective Tax Rate
14.8%
Marginal Tax Rate
29.6%
Payroll Deductions in Canada
Every pay period, your employer deducts three mandatory amounts from your gross pay: Income Tax (federal + provincial), Canada Pension Plan (CPP) contributions, and Employment Insurance (EI) premiums.
| Deduction | 2026 Employee Rate | Maximum (Employee) |
|---|---|---|
| CPP1 Contributions | 5.95% on earnings $3,500–$71,300 | $4,034.10 |
| CPP2 Contributions | 4% on earnings $71,300–$81,900 | $426.00 |
| EI Premiums | 1.66% on earnings up to $65,700 | $1,090.62 |
| Federal Income Tax | 15%–33% (progressive) | No maximum |
| Provincial Income Tax | Varies by province | No maximum |
Frequently Asked Questions
What is the CPP contribution rate for 2026?
The CPP1 employee rate is 5.95% on pensionable earnings between $3,500 and $74,600. The CPP2 rate is 4% on earnings between $74,600 and $85,000.
What is the EI premium rate for 2026?
The employee EI rate for 2026 is 1.63% on insurable earnings up to $68,900, for a maximum annual premium of $1,123.07.
How do I calculate my net pay in Canada?
Net pay = Gross pay − CPP contributions − EI premiums − Federal income tax − Provincial income tax. Use our calculator above for an accurate estimate.
Do self-employed Canadians pay EI?
Self-employed Canadians don't have to pay EI. However, they can opt in to EI to access maternity/parental and other benefits. Self-employed people must pay both the employee and employer portions of CPP.
Related Calculators
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