A small Canadian calculator site that shows its work: 2026 tax rules, sourced from the CRA and the provinces, cross-checked against published calculators, with the scope of every estimate stated on the page.
Take Home Pay Canada computes what a Canadian salary or hourly wage actually becomes after tax — federal and provincial income tax, CPP or QPP, EI and QPIP — for the 2026 tax year. Every province and territory is covered, including the parts most calculators skip: the Ontario surtax and Ontario Health Premium, CPP2's second contribution tier, Quebec's QPP/QPIP and its 16.5% federal abatement, and Manitoba's high-income basic personal amount phase-out.
The site is the sister project of Canadian Mortgage Calculators. The two halves of a household budget — what you keep, and what a home costs — each get a dedicated toolset built on the same principle: real Canadian rules, no sign-up, nothing collected.
One calculation engine powers every calculator on the site. Its inputs are the published 2026 figures: federal brackets and the $16,452 basic personal amount (CRA), provincial brackets and basic personal amounts (CRA payroll formulas and provincial finance sources), CPP/QPP and EI/QPIP rates and maximums (CRA, the Canada Employment Insurance Commission, and Revenu Québec). Before launch, the engine's output was cross-checked line by line against established published calculators — including WOWA's income tax calculator — for control salaries in Ontario, British Columbia, and Alberta, and matched within a fraction of a percent; the remaining difference is a disclosed scope choice documented with the data.
Estimates model employment income with the basic personal amount and standard payroll credits only. They do not model RRSP or other deductions (except the labelled what-if on the income tax page), other credits, low-income benefits, or self-employment. That's deliberate: a calculator that silently guesses your credits is worse than one that states its scope. Where a known item is excluded — the Ontario tax reduction at low incomes, BC's tax reduction credit, Quebec's worker deduction — the relevant page says so and says how much it could matter.
Take Home Pay Canada is educational only and is not tax, financial, or legal advice. Tax rules change; if a figure here ever disagrees with the CRA or your province, the official source wins — and we'd like to hear about it through the contact page.