Personal tax and savings
Take-home pay calculator
What actually reaches your account, after tax, CPP and EI.
A starting point, not tax advice. Nothing you type leaves your browser.
What this does not cover. An estimate. Your employer also applies credits from your TD1, and any pension, benefits or union dues change the result.
How this works
What the number means
Three deductions come off employment income before you see it: income tax, CPP contributions and EI premiums.
CPP is 5.95% of earnings between the $3,500 exemption and the $74,600 ceiling, plus a second contribution on earnings between $74,600 and $85,000. EI is 1.63% up to $68,900. Both stop once you hit their maximums, which is why take-home pay rises partway through the year for higher earners.
Income tax here uses the basic personal amount only, so a real payslip usually deducts slightly less.
Worked example. On a $75,000 salary the calculator shows income tax, CPP and EI separately, then the net figure per year, month, or two-week pay period.
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.
Questions
When are payroll remittances due?
For most small employers, the 15th of the month after you pay your staff. Larger payrolls remit more often. Your remitter type is set by the CRA based on your average monthly withholding amount.
Next step
Want someone to check the real figure?
A calculator estimates. A consultation answers for your actual situation. The first one is free.