Canada calculators
Canada
All Canada calculators
Take-home pay by province, mortgage payments with CMHC insurance, and more — built around Canadian federal and provincial rules, CPP, and EI.
About these calculators
These tools estimate Canadian take-home pay after federal tax, provincial tax, CPP, and EI, and Canadian mortgage payments using the semi-annual compounding convention with CMHC insurance for down payments under 20%. Every calculation runs in your browser with no sign-up, and each page explains its assumptions. Figures are estimates for planning — confirm exact amounts with the CRA or your lender.
Canada calculators — common questions
How is take-home pay calculated in Canada? Your gross pay has federal income tax, provincial income tax, CPP (Canada Pension Plan), and EI (Employment Insurance) deducted. Because provincial rates differ, the same salary nets a different amount in, say, Ontario versus Alberta — which is why each paycheck page is pre-set to its province.
What are CPP and EI? They are mandatory payroll contributions on every Canadian paycheck. CPP funds the national pension and EI funds employment insurance; each has an annual maximum, after which it stops being deducted for the rest of the year.
What is CMHC insurance on a mortgage? If your down payment is under 20%, Canadian lenders require mortgage default insurance (commonly from CMHC). The premium is added to your loan, which the mortgage calculator factors into your monthly payment.