Canada Paycheck Calculator

Standard deductions: federal income tax (15-33% by bracket), provincial income tax (varies by province), CPP at 5.95% on pensionable earnings up to $68,500, plus the new CPP enhancement at 4% from $68,500-73,200, EI at 1.66% up to $63,200. Quebec replaces CPP/EI partially with QPP (6.4%) and QPIP plus federal EI. Voluntary deductions include RRSP, group RRSP/DC pension, health and dental premiums, union dues.

On a $75,000 salary in Ontario, federal+provincial tax is roughly $13,500, CPP $4,055, EI $1,049 - net pay around $56,000/year or $4,650/month. The same salary in Alberta nets about $58,500 thanks to lower provincial tax. In Quebec, around $54,000 due to higher provincial brackets.

Most Canadian employers pay bi-weekly (every 2 weeks, 26 paychecks/year) or semi-monthly (twice a month, 24/year). Weekly pay is common in trades and hospitality. The first paycheck of a new job often looks unusual - signing bonuses, prorated benefits, and partial-period adjustments all get squared up over the first few cycles.

Year-end T4 slips arrive by end of February showing total earnings, deductions, and CPP/EI insurable earnings. Use the T4 to file the personal tax return by April 30. Discrepancies between T4 and your own paycheck records should be raised with HR before filing.

Group RRSP through payroll comes off pre-tax (reduces income tax in real time). Group TFSA through payroll is post-tax (no upfront tax break, but tax-free growth and withdrawal). Health insurance premiums are usually post-tax in Canada (different from US pre-tax FSA/HSA). Defined benefit pension contributions reduce taxable income.

The Canada Workers Benefit (CWB) is a refundable credit for low-income workers paid through tax filing. Working Tax Credit and the GST/HST credit also flow through tax filing - they don't show on a paycheck. The [Canada Income Tax Calculator](/canada-income-tax-calculator) handles the annual picture; this paycheck tool is for the monthly cash flow.

Same salary, different province, different take-home. $100,000 gross net pay (rough): Alberta $73,000, Ontario $71,500, BC $71,300, Quebec $66,500 (highest tax). Differences narrow at lower salaries - at $50,000 the spread is closer to $2,500/year. At $200,000 the spread can exceed $10,000/year between provinces.

Cost-of-living differences sometimes flip the equation. Vancouver and Toronto have higher rents that eat into the slightly higher take-home pay vs Alberta. Calgary and Edmonton offer lower tax AND lower housing costs, which is part of why Alberta has been a destination for inter-provincial migration.