Payroll & Take-Home Pay
The gap between what you earn on paper and what shows up in your account. These three tools cover the whole paycheque question — steady salary, a raise, or working for yourself.
Your gross salary is never the number you spend. Between federal tax, provincial tax, CPP and EI — and in Ontario, a surtax and health premium on top — a chunk comes off before payday. The calculators below use the same 2026 rates engine so a raise, a salary and a self-employment figure all get costed the same consistent way.
Take-Home Pay Calculator
Your net pay after tax, CPP and EI — per year, month or biweekly cheque.
Pay Raise Calculator
How much of your next raise you actually keep once the higher bracket takes its share.
Self-Employed Tax Calculator
CPP at the double rate, the $30,000 HST line, and how much to set aside for tax.