Enter your annual salary, province and pay frequency to see what each paycheque delivers after federal and provincial income tax, CPP (including CPP2) and EI. Rates and contribution ceilings are current for the 2025 tax year.
Your salary
How it works. The calculator applies the federal and provincial brackets after the basic personal amounts, adds CPP (both the base contribution and the CPP2 band) and EI, and divides the annual net evenly across your pay periods. Ontario’s surtax and Quebec’s federal abatement are built into the tax figure.
Take-home per bi-weekly cheque
$0
$0 take-home per year — 0% of gross
Actual payroll withholding differs slightly from this even split: employers use CRA’s payroll deduction tables period by period, and CPP and EI stop once their annual maximums are reached — so cheques late in the year can be larger than the ones in January.
An estimate is a starting point. Get your real number.
This calculator uses published rates. Your actual position depends on the credits, deductions and structure behind your numbers.
- A professional tax accountant reviews your figures, not a formula
- Fixed quote before any work starts
- You pay after you approve the filing
Let's connect
Send your details and we'll confirm your exact position.
How your net pay is built
Three deductions stand between gross salary and take-home pay. Federal and provincial income tax apply their bracket rates after the basic personal amounts shelter the first slice of income. CPP takes 5.95% of pensionable earnings above the $3,500 exemption up to the first ceiling, then the CPP2 rate of 4% on the band up to the second ceiling. EI takes 1.64% of insurable earnings up to its own maximum. What is left, divided across your pay periods, is the cheque.
Because CPP and EI are annual maximums collected as you earn, higher earners hit the ceilings partway through the year — after which cheques grow by the amount those premiums were taking. In January the meters reset and the cheque drops back. This calculator spreads everything evenly instead, which is the right lens for annual planning.
What this calculator does not cover
Employer pension or group-RRSP contributions, union dues, health and dental benefit premiums, and provincial health premiums deducted at source are not modelled — nor are bonuses, which are withheld using the period they are paid in and can look over-taxed on the stub. If you run payroll and want the withholding right for every employee and period, see our payroll services; for the full annual tax picture behind these numbers, try the personal income tax calculator.
| Frequency | Cheques |
|---|---|
| Weekly | 52 |
| Bi-weekly | 26 |
| Semi-monthly | 24 |
| Monthly | 12 |
Rates reviewed for the 2025 tax year by Udit Gupta, Certified Tax Accountant. Federal and provincial rates change annually, and this tool is an estimate for planning rather than tax advice. Confirm current figures before relying on them for a filing.
Other free calculators
Every calculator uses the same 2025 tax year rates and needs no signup.
CPP & EI Contribution Calculator
Work out your CPP base, CPP2 and EI contributions for the year, as an employee or self-employed.
Open calculatorEmployee Cost Calculator
Turn a salary into the true annual cost of the hire: employer CPP match, EI at 1.4×, and Ontario EHT where it applies.
Open calculatorMileage Allowance Calculator
Turn business kilometres into the tax-free allowance at the CRA per-kilometre rates — 72¢ for the first 5,000 km, 66¢ after.
Open calculatorPayroll Remittance Schedule Checker
Find your CRA remitter category and when payroll remittances are due from your average monthly withholding.
Open calculator