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?

1. Federal income tax – Progressive rates (14% to 33% in 2026); withheld based on your province and TD1 form.
2. Provincial/territorial tax – Each province sets its own rates; withheld along with federal.
3. CPP – 5.95% on earnings between the exemption ($3,500) and the YMPE ($68,500 for 2026); max contribution around $3,867.
4. EI – 1.66% on earnings up to the max insurable ($63,200 for 2026); max premium about $1,049.

*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.*