Canada · 2026 Tax Year
Your Canadian
Paycheck, Explained.
See exactly where your money goes — federal tax, provincial tax, CPP, EI, and more. In plain English, with 2026 CRA rates.
Sample Result · Ontario · $75,000/yr
Illustrative only — enter your numbers to get your actual result
Who It's For
New immigrants, students, and job hunters
New Immigrants
Just arrived in Canada and confused by your first paystub? We break down every deduction in plain English so nothing comes as a surprise.
Students & Grads
Starting your first real job? See the gap between your offer-letter salary and what actually lands in your bank account — before you sign.
Job Seekers
Comparing two offers in different provinces? Our side-by-side tool shows which one actually pays more after all taxes and deductions.
How It Works
Enter a salary. Get the full picture.
Enter your salary
Hourly, annual, monthly, or bi-weekly — pick the format you know, choose your province, and set your pay frequency.
Add your deductions
Include RRSP contributions, union dues, health premiums, and more to see exactly what your employer will withhold each pay period.
Get a line-by-line breakdown
Every deduction is itemized with its dollar amount and rate. Tap "Explain this" for a plain-English AI summary written just for you.
Tools
Calculator
Full deduction breakdown — federal tax, provincial tax, CPP, EI, RRSP, and more. Per paystub or annual view.
Calculator →Compare Salaries
PremiumSide-by-side take-home for two job offers, even across different provinces. See which one actually pays more.
Sign in to unlock →T4 Summary
Generate an educational replica of your T4 so you know exactly which box maps to which deduction before tax season.
T4 Summary →Savings Room
PremiumTrack your RRSP and TFSA contribution room, plan RRSP tax refunds, and avoid over-contribution penalties.
Sign in to unlock →Paystub Decoder
PremiumUpload or photograph your paystub and get a plain-English explanation of every deduction — CPP, EI, tax, and more.
Sign in to unlock →What's Included
Federal, provincial, CPP, EI — and more
Learn
How Canadian taxes actually work
Our guides explain how Canadian taxes actually work — in plain English, with no jargon.
Understand, Compare, and Plan Your Income
Go beyond a basic paycheck calculator with premium planning tools and AI guidance.
Free
$0 / forever
No credit card required
- Paycheck calculator
- Basic T4 simulator
- 1 AI explanation / month
Premium
$4.99 / month
Cancel anytime
- Everything in Free
- RRSP & TFSA savings room
- Salary comparison tool
- Paystub decoder with AI
- PDF export
- 100 AI explanations / month
See what you actually take home
Free · No account needed · 2026 CRA rates.
See My Take-Home Pay →For informational purposes only · Not financial advice · Verify at canada.ca/taxes