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Canada Take-Home Pay Calculator
Federal Income Tax · CPP · EI · 2024 CRA rates
Federal tax only. Provincial income tax is not included — add 5–26% for your province. See the provincial breakdown table below.
CA$
2024 Federal Income Tax Brackets (CRA)
| Rate | Taxable Income (after BPA) | On Amount Above |
|---|---|---|
| 15% | $0 – $55,867 | $0 |
| 20.5% | $55,868 – $111,733 | $55,867 |
| 26% | $111,734 – $154,906 | $111,733 |
| 29% | $154,907 – $220,000 | $154,906 |
| 33% | Over $220,000 | $220,000 |
Basic Personal Amount (BPA): $15,705 — reduces your taxable income before brackets apply. These are marginal rates, not flat rates on total income.
CPP Contributions 2024
| Employee Rate | 5.95% |
| Employer Rate | 5.95% (matched) |
| Basic Exemption | $3,500 |
| Max Pensionable Earnings | $73,200 |
| Max Employee Contribution | $4,147.50/yr |
| CPP2 Rate (earnings $73K–$81K) | 4.00% |
EI Premiums 2024
| Employee Rate | 1.66% |
| Employer Rate | 2.324% (1.4×) |
| Max Insurable Earnings | $63,200 |
| Max Employee Premium | $1,049.12/yr |
| Benefit Rate | 55% of insurable earnings |
| Max Weekly Benefit | $668/week |
| Annual Salary | Federal Tax | CPP + EI | Take-Home/yr | Take-Home/mo |
|---|---|---|---|---|
| CA$30,000 | CA$2,144 (7.1%) | CA$2,075 | CA$25,781 | CA$2,148 |
| CA$50,000 | CA$5,144 (10.3%) | CA$3,597 | CA$41,259 | CA$3,438 |
| CA$60,000 | CA$6,644 (11.1%) | CA$4,358 | CA$48,998 | CA$4,083 |
| CA$80,000 | CA$10,108 (12.6%) | CA$5,196 | CA$64,696 | CA$5,391 |
| CA$100,000 | CA$14,208 (14.2%) | CA$5,196 | CA$80,596 | CA$6,716 |
| CA$150,000 | CA$25,699 (17.1%) | CA$5,196 | CA$119,105 | CA$9,925 |
Provincial Income Tax Rates (2024)
Add your province's rate to estimate your actual take-home. Provincial brackets are separate from federal and generally range from 5% to 26%.
| Province | Lowest Rate | Highest Rate | Note |
|---|---|---|---|
| 🏔️ Alberta | 10% | 15% | Lowest overall burden; no provincial sales tax |
| 🌊 British Columbia | 5.06% | 20.5% | Top rate on income over $240,716 |
| 🌾 Ontario | 5.05% | 13.16% | Surtax on high earners; most populous province |
| ⚜️ Quebec | 14% | 25.75% | Highest provincial rates; very generous social programs |
| 🌾 Saskatchewan | 10.5% | 14.5% | Flat-ish structure; oil-producing province |
| 🌾 Manitoba | 10.8% | 17.4% | Basic personal amount: $15,780 (similar to federal) |
| 🍁 Nova Scotia | 8.79% | 21% | Atlantic province; top rate on income over $150K |
| 🦞 New Brunswick | 9.4% | 19.5% | Harmonized sales tax province |
🇨🇦 Canada vs 🇺🇸 US Tax Comparison
On a comparable $80,000 salary (USD / CAD):
- • Canada federal effective rate: ~12.6% + CPP/EI + provincial (typically 8–15%)
- • US federal effective rate: ~14.4% + FICA (7.65%) — no state tax varies
- • Canada's combined burden (federal + Ontario provincial) is roughly 29–31% at $80K
- • Canada provides universal healthcare; US deducts employer health insurance separately
📊 What's Not Included
- • Provincial income tax: adds 5–26% — see table above
- • CPP2: 4% on earnings between $73,200 and $81,200 (~$316 max)
- • RPP / RRSP contributions: reduce taxable income (18% of prior year income, max $31,560)
- • Quebec differences: separate QPP (instead of CPP) and QPIP (parental insurance)