After Tax Canada / Best take-home pay calculatorsVersion française
Best take-home pay calculators in Canada
We ran the same $100,000 Ontario salary through six take-home pay calculators. The answers differ by up to $4,192 a year.
This page shows each result, what each calculator counted, and why they disagree. Every figure was checked on Nov 8, 2026. Our own figure comes from our engine on the 2026 CRA tables.
Highest net pay minus lowest net pay, same $100,000 Ontario salary
$4,192| Calculator | Annual net pay | Difference vs After Tax Canada | Note |
|---|---|---|---|
| After Tax Canada(this page) | $74,206 | Reference | Our figure, from the 2026 CRA tables. |
| catax.tools | $74,206 | $0 | Matches our figure to the dollar. |
| taxtips.ca | $74,206 | $0 | Matches our figure to the dollar. |
| paycheckcalculatorcanada.com | $73,460 | -$746 | $746 a year below our figure. |
| salaryaftertaxca.com | $70,594 | -$3,612 | $3,612 a year below our figure. Its listed deductions exceed the gap by $416.01. |
| ca.talent.com | $70,014 | -$4,192 | $4,192 a year below our figure. Its CPP and EI sit well below the 2026 maxima. |
Figures checked Nov 8, 2026. Our figure is computed by our engine on the 2026 CRA tables.
What each calculator counted
The same $100,000, broken down by deduction line. Figures are rounded to the nearest dollar, so a row can differ from its total by $1.
| Calculator | Federal | Provincial | CPP | CPP2 | EI | Total deductions |
|---|---|---|---|---|---|---|
| After Tax Canada | $13,302 | $6,723 | $4,646 | - | $1,123 | $25,794 |
| catax.tools | $13,302 | $6,723 | $4,646 | - | $1,123 | $25,794 |
| taxtips.ca | $13,302 | $6,723 | $4,646 | - | $1,123 | $25,794 |
| paycheckcalculatorcanada.com | $14,393 | $6,378 | $4,230 | $416 | $1,123 | $26,540 |
| salaryaftertaxca.com | $16,696 | $6,940 | $4,646 | $416 | $1,123 | $29,822 |
| ca.talent.com | $16,878 | $8,655 | $3,500 | - | $953 | $29,986 |
CPP2 is already inside the CPP figure for After Tax Canada, catax.tools and taxtips.ca. The other two calculators list it on its own line, and ca.talent.com shows no CPP2 line.
Notes on each calculator
After Tax Canada: After Tax Canada: $74,206. Federal $13,302, Ontario $6,723 (including the $750 Ontario Health Premium), CPP $4,646, EI $1,123. The figure comes from our own engine on the 2026 CRA tables, and an automated test pins it, so a table change cannot move it silently.
catax.tools: catax.tools: $74,206. The same figure as ours, with the same breakdown. Two independent implementations landing on the same dollar is a good sign for both.
taxtips.ca: taxtips.ca Quick Tax Calculator: $74,206. The same figure again. taxtips.ca has published Canadian tax tables for years, so the match is expected.
paycheckcalculatorcanada.com: paycheckcalculatorcanada.com: $73,459.93, which is $746 a year below our figure. Most of the gap sits in its federal line ($14,392.73 against our $13,301.60), partly offset by a lower provincial line ($6,377.83 against our $6,722.75). Its CPP and CPP2 together equal our CPP total ($4,646.45).
salaryaftertaxca.com: salaryaftertaxca.com: $70,594.01, which is $3,612 a year below our figure. Its listed deductions add up to $29,822.00, but $100,000 minus its net pay is $29,405.99. That is $416.01 more than the gap, which is exactly its CPP2 line, so CPP2 looks counted twice in its display, or already inside its CPP figure. We report the display as shown, and flag the inconsistency rather than correcting its number.
ca.talent.com: ca.talent.com: $70,014, which is $4,192 a year below our figure, the largest gap on the page. Its CPP of $3,500 sits well below the 2026 CPP maximum of $4,646.45, its EI of $953 sits below the 2026 EI maximum of $1,123.07, and its Ontario figure of $8,655 sits above every other calculator on the page. We report what it showed on the check date.
Make your take-home work harder
Your paycheque is only half the story. These are the account types Canadians use to put after-tax money to work. What follows is factual information, not financial advice.
High-interest savings account
A savings account that pays a higher rate than a chequing account. Money stays liquid and earns interest while you keep it.
Partner offers coming soon
Investment account
An account for buying investments such as ETFs and stocks. It can be registered (TFSA, RRSP, FHSA) or non-registered.
Partner offers coming soon
Bank account
A chequing account for daily spending and bill payments, often bundled with savings and credit products.
Partner offers coming soon
We are reviewing Canadian providers. When offers appear here, they will be clearly labelled.
Disclosure: if partner offers are listed here in the future, they will be clearly labelled, and we may earn a commission. Account descriptions are factual information, not financial advice.
More calculators
How we compared them
The test case is fixed for the whole page: $100,000 gross salary, Ontario, single, employment income only, no other income or deductions, 2026 tax rates.
Each net pay figure is what the calculator showed for that test case on Nov 8, 2026. Rival calculators change their tables without notice, so treat each figure as a snapshot from that date.
Our figure is computed by our own engine from the 2026 federal and Ontario tables, CPP and EI. It is pinned by an automated test, so a table change cannot move it silently.
Sources: our figure uses the 2026 CRA federal and Ontario tables, CPP, and EI. See how we calculate for the full source list.
FAQ
Why do take-home pay calculators disagree?
They disagree because they use different tax tables, different years, and different rules for CPP and EI. Some use last year's tables. Some cap CPP or EI below the 2026 maxima. Some fold CPP2 into the CPP line and some list it separately. Two calculators can also round differently. The test case matters too: a calculator that assumes a different province, a different pay frequency, or extra deductions will answer a different question.
Which figure is right?
The right figure is the one built from the current CRA tables for the right province and year, with CPP and EI at the 2026 maxima. On a $100,000 Ontario salary for 2026 that is $74,206: $13,302 federal, $6,723 Ontario (including the $750 Ontario Health Premium), $4,646 CPP, and $1,123 EI. If a calculator shows a different number, check which year its tables are from and whether its CPP and EI match the 2026 maxima.
Do I pay tax on the gross salary or the net pay?
Tax is calculated on your taxable income, which is your gross salary minus deductions like the CPP additional portion and CPP2, then minus non-refundable credits like the basic personal amount. Your net pay is what is left after income tax, CPP, and EI come off your gross pay. So the tax is worked out from the gross, and the net is the result.
How often are these figures re-checked?
The figures on this page were checked on Nov 8, 2026. Rival calculators change their tables without notice, so each figure is a snapshot from that date. Our own figure updates whenever the CRA tables change, and it is pinned by an automated test.
Why is ca.talent.com $4,192 lower than After Tax Canada?
Its CPP of $3,500 sits well below the 2026 CPP maximum of $4,646.45, its EI of $953 sits below the 2026 EI maximum of $1,123.07, and its Ontario figure of $8,655 sits above every other calculator on the page. We report what it showed on the check date. If it updates its tables, its figure will move.