Take-Home Pay Calculator (2026)
Enter your salary and see what actually lands in your account after tax, CPP and EI — including the Ontario surtax and health premium most calculators leave out.
Your take-home pay
$0
$1,944 every second Friday
On $65,000 in Ontario the calculator lands on $1,944.45 a cheque, 26 times a year, out of $2,500 of gross. Each one gives up $242.58 to federal tax, $131.48 to Ontario ($23.08 of it the health premium), $140.74 to CPP and $40.75 to EI. Over the year that is $50,556 of the $65,000 — 78 cents on the dollar, with 22 gone before the deposit.
Those per-cheque figures are the annual amounts divided by 26, which is also how the pay-frequency selector works. On a steady salary, payroll's period-by-period arithmetic comes out within a few dollars of the same split. The one place it doesn't is the reason for the next section.
Why a cheque grows in the autumn
At $65,000 every deduction runs all year, because CPP is charged on earnings up to $74,600 and EI up to $68,900 and neither ceiling is reached. Above those salaries the stub changes mid-year. On $100,000, the EI ceiling arrives in early September, CPP's at the end of September, and the $85,000 ceiling on CPP2, the 4% upper tier, in early November. Each one is a deduction that simply stops, and each shows up as a larger deposit that nobody announced.
The calculator doesn't stage that. It shows $4,646 of CPP and $1,123 of EI for the year and spreads them across 26 cheques, $222 apiece. Payroll takes the full 5.95% and 1.63% until the ceilings are hit and then nothing, so the real cheques run smaller than the average until autumn and larger after it, and reset in January. The annual figure is right either way; the per-cheque one is a mean. A bonus paid on its own cheque is a different case again, with its own withholding rule, and so is commission on top of a base salary, which is taxed at whatever rate the base has already pushed you into.
$65,000 in all thirteen jurisdictions
Federal tax, CPP and EI are the same in twelve of the thirteen, so what separates the rows below is provincial or territorial tax alone — from $1,882 in Nunavut to $6,348 in Nova Scotia.
| Jurisdiction | Net pay | Per biweekly cheque | Kept |
|---|---|---|---|
| Nunavut | $52,092 | $2,004 | 80% |
| British Columbia | $51,223 | $1,970 | 79% |
| Northwest Territories | $51,184 | $1,969 | 79% |
| Yukon | $51,113 | $1,966 | 79% |
| Alberta | $50,910 | $1,958 | 78% |
| Ontario | $50,556 | $1,944 | 78% |
| Saskatchewan | $49,588 | $1,907 | 76% |
| New Brunswick | $49,038 | $1,886 | 75% |
| Manitoba | $48,829 | $1,878 | 75% |
| Newfoundland and Labrador | $48,726 | $1,874 | 75% |
| Prince Edward Island | $48,463 | $1,864 | 75% |
| Quebec | $48,180 | $1,853 | 74% |
| Nova Scotia | $47,626 | $1,832 | 73% |
Ontario's row is two charges, not one: $2,819 of basic Ontario tax and the $600 Ontario Health Premium, which is what puts it below Alberta. The surtax is not in that figure and won't be at this salary — it's charged once basic Ontario tax passes $5,818, and $65,000 of salary produces less than half that. Quebec's row is the one built differently: QPP at $3,875 instead of $3,659 of CPP, $280 of QPIP on top, EI at the reduced rate ($845), Quebec's own tax at $6,587, and federal tax cut to $5,234 by the abatement.
What the stub carries that this doesn't
The number above assumes a TD1 with nothing on it but the basic personal amount, and nothing between gross and net except tax, CPP and EI. Whatever you've added to the TD1 — a spouse, the disability amount, tuition — lowers the tax withheld and raises the deposit. Working the other way: union dues, group benefit premiums and a pension or group RRSP contribution all come off the cheque before it reaches you, though the pension and RRSP contributions also reduce the tax taken. Employer-paid life insurance or parking is a taxable benefit, which adds tax without adding cash. None of those are in the figure, so treat it as the ceiling on a clean stub rather than a prediction of yours.
Common questions
What is the Ontario surtax and when does it apply in 2026?
Ontario adds a surtax on top of your basic Ontario tax — not on your income. In 2026 you pay 20% on the portion of basic Ontario tax above $5,818, and another 36% on the portion above $7,446. Because it stacks on the tax rather than the income, it only starts biting around the low-six-figure salary range. This calculator applies both thresholds automatically.
How do I work out my take-home pay per biweekly paycheque?
Take your annual net pay and divide by 26 for biweekly, or by 52 for weekly. A $1,680 net biweekly paycheque is about $43,680 net per year before rounding. Set the pay frequency above and the calculator shows the per-paycheque number for you. Paid by the hour rather than on a salary? Convert the wage to an annual figure first, then enter that here.
What gets deducted from my net pay in 2026?
Federal income tax, provincial income tax, CPP (5.95% up to $74,600 in pensionable earnings, plus CPP2 on earnings to $85,000), and EI (1.63% up to $68,900 of insurable earnings). In Ontario you may also owe the surtax and the Ontario Health Premium. The breakdown above splits out every line. Those EI premiums are what buy your entitlement to EI benefits if the job ends.
Does this calculate take-home pay on pension income?
Not exactly. This models employment income, where CPP and EI are withheld. Pension income isn't subject to CPP or EI, so its take-home is higher for the same gross. Use this for salary and wages, and treat it as an upper bound for pension income.
Why did my paycheque go up in the fall without a raise?
Because CPP or EI stopped. EI is deducted on the first $68,900 of earnings and CPP on the first $74,600, then CPP2 at 4% on the slice up to $85,000; once your year-to-date pay passes each ceiling, that deduction ends until January. On $100,000 that happens in early September, late September and early November, and each one arrives as a bigger deposit.
Is take-home pay different if I'm paid semi-monthly instead of biweekly?
The annual figure is identical; only the slice changes. $50,556 net on $65,000 in Ontario is $1,944 biweekly over 26 cheques, $2,106 semi-monthly over 24, $4,213 monthly or $972 weekly. Two months a year a biweekly schedule pays three cheques, which is where the two feel different.