Canada Take-Home Pay Calculator (2025)
Net pay after federal and provincial tax, CPP (including CPP2), EI and RRSP by province — per month, biweekly and per hour, with every deduction shown.
How it works
net = gross − RRSP − income tax(gross − RRSP) − CPP [5.95% × (earnings − $3,500) to $71,300, + 4% CPP2 to $81,200] − EI [1.64% to $65,700]
A Canadian paycheque loses three things: income tax (federal plus provincial), Canada Pension Plan contributions (with the second tier CPP2 on earnings between the two ceilings since 2024) and Employment Insurance premiums. CPP and EI stop once the annual maximums are hit, so high earners see bigger net cheques late in the year. RRSP contributions through payroll cut tax at source. Quebec has its own QPP, QPIP and lower EI rate, and its provincial tax is collected separately.
Worked example
$75,000 in Ontario with 5% RRSP: tax $13,132 on $71,250, CPP $4,034 + CPP2 $148, EI $1,077 — take-home $52,858, or $4,405 a month.
Frequently asked questions
Why did my CPP deduction stop?
You reached the maximum ($4,034 for 2025, plus $396 CPP2). It restarts in January.
Are union dues and benefits included?
No — add your own deductions. Employer health benefits paid on your behalf are taxable in Quebec but not federally.
Related calculators
Uses 2025 tax-year Canadian federal and provincial figures (indexed annually). Rates and thresholds change — confirm with CRA, your province or a tax professional. Educational estimate, not tax advice.