Calculate your exact net take-home pay after all Canadian source deductions with our free payroll calculator. Covers all provinces and territories with 2026 federal and provincial tax brackets, CPP contributions, EI premiums, and supports all pay frequencies (weekly, bi-weekly, semi-monthly, monthly). Useful for both employees and employers.
Canadian employees have three mandatory source deductions: federal and provincial income tax (based on your income and province), Canada Pension Plan (CPP) contributions (5.95% of pensionable earnings up to the maximum in 2026), and Employment Insurance (EI) premiums (1.66% of insurable earnings up to the maximum in 2026).
The CPP employee contribution rate for 2026 is 5.95% on earnings between $3,500 (the basic exemption) and $68,500 (the maximum pensionable earnings). The maximum employee CPP contribution for 2026 is $3,867.50. Employers match this amount dollar-for-dollar.
The EI employee premium rate for 2026 is $1.66 per $100 of insurable earnings, up to maximum insurable earnings of $63,200. The maximum annual EI premium for employees in 2026 is $1,049.12. Employers pay 1.4 times the employee rate.
Net pay = Gross pay − Federal income tax − Provincial income tax − CPP contributions − EI premiums. The exact amounts depend on your province, pay frequency, and annual income. Our payroll calculator does all of this automatically for any province.