Last updated: July 2026
CAPayCalc.io is a free, independent tool built to answer one specific question: what does a Canadian paycheque actually look like after federal tax, provincial tax, CPP, and EI are taken out. It is not affiliated with the Canada Revenue Agency, Service Canada, any provincial government, or any bank, employer, or payroll provider.
The tool applies the 2025 federal tax brackets published by the CRA and the 2025 tax brackets for each of the 10 provinces, then layers on CPP contributions (5.95% between the $3,500 exemption and the $68,500 maximum, plus CPP2 above that), and EI premiums (1.64%, or 1.32% for Quebec residents who pay QPIP separately). The basic personal amount and employment amount credits are applied at both federal and provincial level, the same way they reduce tax owed on an actual paycheque.
It assumes a single employment income, a full year of standard employment, and no additional credits or deductions beyond the basic personal amount. It does not account for RRSP contributions, union dues, pension plan deductions, multiple employers, self-employment income, or provincial health premiums that fall outside the standard tax brackets. Every result is an estimate, not a substitute for a pay stub, a Notice of Assessment, or advice from a licensed accountant or tax professional.
This site is not connected to the CRA, any provincial revenue agency, Service Canada, or any financial institution. For official figures or personal tax filing questions, consult canada.ca or a registered tax professional.
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