Canada Paycheck Calculator 2025
Calculate your Canadian take-home pay per paycheck after federal tax, provincial tax, CPP and EI deductions. All provinces and pay frequencies.
$
$
Pension, benefits, union dues, etc. Common salaries:
C$0
Bi-Weekly Net Pay
C$0
Federal Tax
C$0
Provincial Tax
C$0
CPP + EI
Per-Period Paycheck Breakdown
| Item | Per Period | Annual |
|---|
CPP & EI Maximums (2025)
How to Use This Canada Paycheck Calculator
Enter your annual gross salary, select your pay frequency and province. The calculator divides your annual tax, CPP and EI evenly across your pay periods to show per-paycheck deductions. Real CRA withholding uses cumulative tables, so small differences may appear mid-year.
The Formula
Per-Period Gross = Annual Salary Γ· Pay Periods
Annual Federal Tax = progressive federal rates β BPA credit ($16,129 Γ 15%)
Annual Provincial Tax = province-specific rates β provincial BPA credit
Annual CPP = 5.95% Γ (min(salary, $71,300) β $3,500)
Annual EI = 1.66% Γ min(salary, $65,700) [or QC rate 1.31%]
Per-Period Deductions = Annual Γ· Pay Periods
Net Pay = Gross Per Period β All Per-Period Deductions
Annual Federal Tax = progressive federal rates β BPA credit ($16,129 Γ 15%)
Annual Provincial Tax = province-specific rates β provincial BPA credit
Annual CPP = 5.95% Γ (min(salary, $71,300) β $3,500)
Annual EI = 1.66% Γ min(salary, $65,700) [or QC rate 1.31%]
Per-Period Deductions = Annual Γ· Pay Periods
Net Pay = Gross Per Period β All Per-Period Deductions
Example
Lisa in Ontario, $75,000/year, paid bi-weekly (26 periods):
Bi-weekly gross: $75,000 Γ· 26 = $2,885
Annual federal tax: approx. $10,025 β per period: $386
Annual Ontario tax: approx. $3,827 β per period: $147
Annual CPP: ($71,300 β $3,500) Γ 5.95% = $4,034 β per period: $155
Annual EI: $65,700 Γ 1.66% = $1,091 β per period: $42
Total per period deductions: $730
Bi-weekly net pay: $2,885 β $730 = $2,155
Bi-weekly gross: $75,000 Γ· 26 = $2,885
Annual federal tax: approx. $10,025 β per period: $386
Annual Ontario tax: approx. $3,827 β per period: $147
Annual CPP: ($71,300 β $3,500) Γ 5.95% = $4,034 β per period: $155
Annual EI: $65,700 Γ 1.66% = $1,091 β per period: $42
Total per period deductions: $730
Bi-weekly net pay: $2,885 β $730 = $2,155
Extended
Pay Period Analyser
Annual vs period comparison, year-to-date projections and CPP/EI maximums tracking
Your net pay at different pay frequencies (same annual total).
| Frequency | Periods/Year | Gross per Period | Net per Period | Annual Take-Home |
|---|
Cumulative year-to-date deductions by month.
| Month | YTD Gross | YTD Tax (Fed+Prov) | YTD CPP | YTD EI | YTD Net |
|---|
Frequently Asked Questions
How is a Canadian paycheck calculated?
Your Canadian paycheck is calculated by dividing your annual salary by the number of pay periods, then subtracting: federal income tax (using CRA withholding tables), provincial income tax, CPP contributions (5.95% on eligible earnings), and EI premiums (1.66% of insurable earnings). The remaining amount is your net pay for that period.
How often are Canadians paid?
Canadian employees can be paid weekly (52 times/year), bi-weekly (26 times/year), semi-monthly (24 times/year), or monthly (12 times/year). Bi-weekly is the most common in Canada. Your employer determines the pay frequency, and this affects how much tax is withheld per period β though your annual total is the same.
What is the maximum CPP contribution in 2025?
For 2025, the maximum employee CPP contribution is approximately $4,034.10 (5.95% on earnings up to $71,300 minus the $3,500 basic exemption). CPP2 contributions of 4% also apply on earnings between $71,300 and $81,900 (max ~$420). Once you hit the CPP maximum, no further CPP is deducted for the rest of the year.
What is the maximum EI premium in 2025?
For 2025, the maximum employee EI premium is approximately $1,090.62 (1.66% on maximum insurable earnings of $65,700). Quebec residents pay a reduced EI rate (approximately 1.31%) because they have QPIP for parental benefits. Once your earnings exceed $65,700 for the year, no further EI is deducted.
Why might my paycheck vary from what this calculator shows?
CRA payroll deduction tables use exact formulas and cumulative withholding based on year-to-date earnings. This calculator estimates based on annualised income. Differences can occur if: you started mid-year, your income varies each period, you have additional tax deductions authorised on TD1 forms, your employer uses a different withholding method, or you have taxable benefits included in pay.