General money tools
What a raise is actually worth
The headline number, and the one that reaches your account.
A starting point, not tax advice. Nothing you type leaves your browser.
What this does not cover. An estimate using the basic personal amount only, so your real increase is usually slightly larger.
How this works
What the number means
A raise is taxed at your marginal rate, not your average rate, so the take-home increase is always smaller than the headline. It is not, however, the myth people repeat — a raise never leaves you worse off, because only the additional slice is taxed at the higher rate.
CPP and EI complicate it in your favour: once you pass their annual maximums, those deductions stop, so later income is taxed less heavily than earlier income.
Worked example. Moving from $75,000 to $85,000 is a $10,000 raise. The calculator shows what lands after tax, CPP and EI, per year and per month.
Sources
- CRA — Current year tax rates and income brackets (2026) — modified 25 June 2026
- CRA — CPP contribution rates, maximums and exemptions — modified 31 October 2025
- CRA — EI premium rates and maximums — modified 16 September 2025
- CRA — T4032-ON Payroll Deductions Tables, Ontario — modified 17 December 2025
Rates change. The CRA page is the authority, and these are reviewed every January.
Next step
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