Question 1

Is a $90,000 job offer better than my current $80,000?

Accepted Answer

Not always. Enter both salaries into this calculator to see the actual difference after federal tax, provincial tax, CPP, EI, and pension contributions. A 12.5% raise on paper can translate to closer to 9% in your bank account because of marginal tax rates and payroll deduction ceilings. If the new job is in a different province, the gap can widen or narrow further.

Question 2

How do I compare take-home pay between provinces?

Accepted Answer

Plug in the same salary and switch the province dropdown. You will see how much more (or less) you keep in Alberta vs Ontario, Quebec vs BC, or any other combination. Alberta typically keeps the most of your paycheque; Quebec keeps the least for high earners; the Maritimes sit between. Ceilings on CPP, EI, and QPIP shift the answer at different income levels.

Question 3

Will my raise actually change my life?

Accepted Answer

Enter your current salary and the new one to see your monthly take-home go up in real dollars. For a Canadian earning $70,000 in Ontario, a $5,000 raise puts roughly $280 more in your pocket each month. Across a full year it's $3,300 to $3,500. The difference between headline raise and take-home raise is your marginal tax bracket.

Question 4

How do I calculate my take-home pay in Canada?

Accepted Answer

Subtract federal income tax, provincial income tax, CPP or QPP contributions, EI premiums, and any workplace pension or benefit contributions from your gross salary. This calculator automates all of that for every province and territory in Canada for the 2025 and 2026 tax years.

Question 5

Does this calculator include workplace pension plans like OMERS and LAPP?

Accepted Answer

Yes. Contribution rates for LAPP, Alberta PSPP, ATRF, BC Municipal Pension Plan, BC Teachers Pension Plan, OMERS, HOOPP, OTPP, Ontario PSPP, RREGOP, and federal Public Service Pension Plans are built in. You can also enter a custom pension plan if yours is not listed.

Question 6

What is CPP2 and who pays it?

Accepted Answer

CPP2 is a second-tier Canada Pension Plan contribution at 4% on earnings between $74,600 and $85,000 in 2026. Everyone earning above $74,600 pays it. Quebec residents pay the equivalent QPP2.