HisabCalc › Country-specific

Canada CPP and EI Take Home Calculator

Estimates Canadian take home pay by deducting CPP, EI, federal tax and provincial tax from a gross salary.

Enter your numbers

Gross salary (CAD)

Example: 60000

CPP rate (%)

Example: 5.95

EI rate (%)

Example: 1.63

Federal tax rate (%)

Example: 15

Provincial tax rate (%)

Example: 10

Result

Currency

Figures are computed on your device; nothing is sent anywhere.

Formula

cpp = gross * cppRate / 100; ei = gross * eiRate / 100; federalTax = gross * federalRate / 100; provincialTax = gross * provincialRate / 100; net = gross - cpp - ei - federalTax - provincialTax

How the calculation works

CPP and EI are fixed percentage deductions on the gross salary that fund the pension plan and employment insurance.

Federal and provincial tax are then applied on top, and the province you live in determines the provincial rate that applies.

A 60,000 dollar salary at these rates loses 3,570 dollars to CPP, 978 to EI and 15,000 to income tax, leaving about 40,452 dollars net.

Common mistakes

Forgetting that CPP and EI are capped each year overstates the deductions on a very high salary.
Using the wrong provincial rate gives a misleading net, because provincial tax rates vary widely across Canada.

When to use it

Use it to estimate the monthly deposit your Canadian salary actually makes to your bank account.
Use it to compare job offers in two provinces where the provincial tax rate differs.

Worked example

A 60,000 dollar salary at 5.95 percent CPP, 1.63 percent EI, 15 percent federal and 10 percent provincial tax leaves about 40,452 dollars net.

CPP contribution 3,570.00

EI premium 978.00

Federal tax 9,000.00

Provincial tax 6,000.00

Net 40,452.00

Common questions

Are CPP and EI charged on the whole salary?

No. Both CPP and EI have an annual ceiling above which no further contributions are taken, so this flat rate applies fully only on income below that limit.

Last updated: 2026-10-03