Salary Calculator
Numeo's Salary Calculator turns your gross pay into take-home pay — 2026 federal and provincial tax, CPP/QPP and EI, for any province — or works backwards from net to gross.
Numeo applies the 2026 federal and provincial tax brackets, the basic personal amount, CPP/QPP (including the second ceiling, CPP2) and EI premiums to every pay period.
Frequently asked questions
- How is take-home pay calculated in Canada?
- Take-home (net) pay is your gross salary minus federal income tax, provincial or territorial income tax, CPP or QPP contributions, and EI premiums. Numeo applies the 2026 rates and brackets for the province you select.
- What is the difference between gross and net salary?
- Gross salary is your pay before any deductions. Net (take-home) salary is what actually reaches your bank account after income tax, CPP/QPP and EI are withheld. Numeo can calculate either direction.
- Why is my take-home pay different from my actual paycheque?
- Two main reasons. Numeo only applies the statutory deductions — income tax, CPP/QPP and EI — so it can’t account for employer-specific deductions such as group benefits or insurance premiums, pension or RRSP contributions, union dues, or extra voluntary tax withholding, all of which lower your real net pay. CPP and EI are also withheld at the full rate until each reaches its annual maximum (usually around mid-year) and then stop, so real paycheques are smaller earlier in the year and larger afterward. The Average view spreads these evenly across the year; switch to "Before CPP/EI max" or "After CPP/EI max" to match a specific paycheque.
- Is my salary information saved or sent anywhere?
- No. Every calculation runs entirely in your browser. Nothing you enter is uploaded, stored, or shared.
Based on official sources: Canada Revenue Agency — Payroll deductions · CRA — Canadian income tax rates for individuals