Salary & Tax Calculator — Canada 🇨🇦
Estimate your real take-home pay in Canada. We model income tax brackets, CPP + EI, and the personal allowance to show what actually lands in your account in CAD. Effective rate — total tax divided by gross — is what matters most for budgeting, not the headline marginal rate.
Federal income tax + CPP + EI. Provincial tax not included.
Popular salaries in Canada
Pre-calculated breakdowns for common gross salaries.
How tax works in Canada
North America · CAD
Canada layers federal income tax on top of provincial income tax — Quebec, Ontario, BC, and Alberta all differ significantly. This estimate covers only the federal portion plus CPP (Canada Pension Plan) and EI (Employment Insurance), capped at the yearly maximum pensionable earnings. Add 10–25% provincial tax for a complete picture.
Gross vs. net pay in Canada
The total figure on your contract — before any tax or social deductions. In Canada this is typically quoted in CAD per year, though monthly quotes are common for white-collar roles.
What lands in your bank account after income tax and CPP + EI. Most workers in Canada keep 81% of a $90,000 gross.
Visible on your payslip: income tax (progressive brackets) and CPP + EI at 7.3%. These are what this calculator models.
Paid on top of your gross — pension contributions, employer social security, accident insurance. They raise the total cost of employment but do not reduce your net pay.
Canada vs. similar countries
Same $90,000 gross compared across regional peers. Numbers only — purchasing power varies.
| Country | Net / year | Net / month | Effective |
|---|---|---|---|
| 🇨🇦 Canada | $72,842 | $6,070 | 19.1% |
| 🇺🇸 United States | $71,474 | $5,956 | 20.6% |
| 🇲🇽 Mexico | $85,572 | $7,131 | 4.9% |
| 🇬🇧 United Kingdom | £65,060 | £5,422 | 27.7% |
| 🇩🇪 Germany | 48.130 € | 4.011 € | 46.5% |
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Frequently asked
Last updated: 2026. Federal income tax + CPP + EI. Provincial tax not included.