Canada Take-Home Pay Calculator (2025)
Net salary after income tax, CPP and EI by province — per year, month, biweekly or week.
Estimate of 2025 federal and Ontario income tax plus CPP and EI. CPP caps at the $71,300 YMPE (CPP2 above it is excluded) and EI caps at the $65,700 maximum insurable earnings. RRSP reduces taxable income.
How Canadian take-home pay is calculated
Your gross salary is reduced by income tax (federal + provincial), CPP and EI. Choose your province and pay frequency to see your net pay per period and per year, plus a breakdown of every deduction.
2025 payroll contribution limits
| Deduction | Rate | Applies to | 2025 maximum |
|---|---|---|---|
| CPP (base) | 5.95% | $3,500 – $71,300 | ~$4,034 |
| EI (employee) | 1.64% | Up to $65,700 | ~$1,077 |
Estimates for 2025. Excludes CPP2, QPIP (Quebec), union dues, taxable benefits and other adjustments. Quebec residents have separate provincial deductions. Confirm with the CRA or your employer.
Frequently Asked Questions
- What is deducted from a Canadian paycheck?
- Federal income tax, provincial income tax, CPP (Canada Pension Plan) and EI (Employment Insurance). This calculator estimates all four. RRSP contributions are optional and reduce your taxable income.
- How much is CPP in 2025?
- Employees pay 5.95% on earnings between the $3,500 basic exemption and the $71,300 YMPE — a maximum of about $4,034 for the year. The additional CPP2 on earnings above the YMPE is not included here.
- How much is EI in 2025?
- Employees pay 1.64% on insurable earnings up to the $65,700 maximum — a maximum of about $1,077 for the year. Quebec has a slightly lower EI rate plus the separate QPIP, which this estimate does not break out.
- Does this include CPP2?
- No. The second additional CPP contribution (CPP2) on earnings above the YMPE is excluded to keep the estimate simple, so high earners may have slightly more deducted in reality.
- Is this withholding or final tax?
- It estimates your annual liability spread evenly. Your employer’s actual per-cheque withholding and your final tax (settled when you file) can differ.
📅 Last updated: June 2026 · Formulas follow standard banking / tax conventions · Results are for reference only.