What's Deducted From Your Paycheck in Canada? CPP, EI, Tax (2026)
In Canada, your employer withholds federal tax, provincial/territorial tax, CPP (Canada Pension Plan), and EI (Employment Insurance) from each paycheck. Here’s what each is and how to see your exact take-home.
What Gets Withheld From Your Paycheck?
- Federal income tax – Progressive rates (14% to 33% in 2026); withheld based on your province and TD1 form.
- Provincial/territorial tax – Each province sets its own rates; withheld along with federal.
- CPP – 5.95% on earnings between the exemption ($3,500) and the YMPE ($74,600 for 2026); max contribution around $4,230.
- EI – 1.63% on earnings up to the max insurable ($68,900 for 2026); max premium about $1,123.
Quebec has QPP instead of CPP; rates and caps differ slightly.
How Much Is Withheld? (Rough Ranges)
Total withholdings (federal + provincial + CPP + EI) for many employees are often in the 25–35% range of gross pay, depending on income and province. Use a calculator for your exact numbers.
Calculate Your Exact Paycheck (2026)
Canada Tax Calculator – see every deduction and your take-home →
Enter your salary, province, and filing status. You’ll see federal tax, provincial tax, CPP, EI, and net pay.
Calculate your Canadian take-home →
Rates and rules are for 2026. Consult CRA or a tax professional for your situation.