What is “salary after tax” in Canada?
“Salary after tax” (also called take-home pay or net pay) is the amount you actually keep after deductions are subtracted from your gross income. For most employees, deductions include federal income tax, provincial income tax, CPP (Canada Pension Plan), and EI (Employment Insurance).
Federal and provincial income tax
Canada uses progressive income tax brackets. Higher portions of income are taxed at higher marginal rates. Provincial income tax is added on top of federal tax, and rules differ by province.
CPP and EI payroll deductions
CPP and EI are payroll deductions withheld from paycheques for most employees. They reduce your take-home pay in addition to income tax. Learn more here: CPP & EI deductions explained.
Why province changes your net pay
Your take-home pay can vary because each province has its own tax brackets and credits. Use the pages below to understand key differences:
- Ontario salary after tax (2026)
- British Columbia salary after tax (2026)
- Alberta salary after tax (2026)
Quick examples (use the calculator for exact results)
These example links open the calculator with common inputs pre-filled. Change the province and pay frequency to match your situation.
FAQ
Does net pay include RRSP?
RRSP contributions can reduce taxable income. Your final take-home pay depends on how contributions are handled. Use the RRSP field in the calculator for an estimate.
Is this a guarantee of exact payroll results?
No. Results are estimates for planning. Real payroll can differ due to employer benefit plans, deductions, credits, and other factors.
Ready to calculate? Open the net salary calculator.