After Tax Canada / Raise calculatorVersion française
Raise calculator (2026)
A raise is taxed at your marginal rate, never a special raise rate. Enter your current salary and the raise, in dollars or percent, to see what each extra dollar actually adds to your take-home, for every province.
Ontario · 2026
$3,377$3,377 extra take-home per year from a $5,000 raise
You keep 67.5% of your raise
What your raise is really worth
| Current gross | $75,000 |
| New gross | $80,000 |
| Current take-home | $56,926 |
| New take-home | $60,303 |
| Extra deductions | $1,623 |
| Extra take-home | $3,377 |
| Share of the raise you keep | 67.5% |
A raise is taxed at your marginal rate, like extra salary. We compare annual take-home at the current salary and at the new salary with the 2026 tax tables, so CPP/QPP and EI/QPIP are computed on each full annual total.
Per pay period
| Period | Gross | Take-home |
|---|---|---|
| Per paycheque (biweekly) | $192 | $130 |
| Per month | $417 | $281 |
Same year, different rhythm: the per-paycheque and per-month figures are just the extra annual take-home split by 26 or 12.
Your marginal rate, not a special rate
Canada has no special raise tax rate. Every dollar of a raise is taxed at your marginal rate, the rate on the bracket where that dollar lands. That is why the effective rate on a raise climbs when it pushes you into a higher bracket, but only the extra dollars are taxed more, never the whole salary.
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.
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Worked examples: what raises are really worth, 2026
| Salary · raise | Extra take-home | Keep rate | Per paycheque |
|---|---|---|---|
| $75,000 · +$5,000 · ON | $3,377 | 67.5% | $130 |
| $100,000 · +$10,000 · ON | $6,826 | 68.3% | $263 |
| $75,000 · +$5,000 · QC | $3,047 | 60.9% | $117 |
| $60,000 · +$6,000 · BC | $3,948 | 65.8% | $152 |
Annual figures · 2026 tax tables · verified 2026-09-20 · how we calculate
FAQ
How much of a $5,000 raise do I keep in Ontario?
On a $5,000 raise at a $75,000 salary in Ontario in 2026, you keep $3,377, a keep rate of 67.5%. The extra $1,623 goes to income tax plus CPP and EI, computed with the verified 2026 tax tables. That is $130 more take-home per biweekly paycheque.
Is a raise taxed more than regular pay in Canada?
No. Canada has no special raise tax rate: every extra dollar is taxed at your marginal rate, the rate on the bracket where that dollar lands, exactly like ordinary salary. If a raise pushes part of your income into a higher bracket, only those extra dollars are taxed at the higher rate, never the whole salary.
How much of a 10% raise do I keep at $100,000 in Ontario?
A 10% raise ($10,000) at a $100,000 salary in Ontario adds $6,826 in take-home a year, a keep rate of 68.3%. At this income the marginal rate is higher than at $75,000, which is why the keep rate is lower than on smaller raises; the calculator shows your exact number.
How much of a raise do I keep in Quebec?
The same marginal method applies under Quebec's tax system. On a $5,000 raise at a $75,000 salary in Quebec in 2026, you keep $3,047 after federal and Quebec income tax plus QPP, EI and QPIP, a keep rate of 60.9%. That is $254 more per month in take-home.
Does a raise push me into a higher tax bracket?
It can, but the fear is usually bigger than the effect. Canada's brackets are marginal: if a raise carries part of your income into the next bracket, only that part is taxed at the higher rate. A raise never makes you take home less overall. In British Columbia, for example, a 10% raise on $60,000 ($6,000) adds $3,948 in take-home, a 65.8% keep rate.
Is a $10,000 raise worth it after tax?
Almost always, yes: after tax it is still the largest pay bump most workers see in a year. At $100,000 in Ontario the $10,000 raise is worth $6,826 in extra take-home, $263 per biweekly paycheque. The only cost is the 31.7% effective rate on the raise itself, which is lower than the rate on your full salary.
How is a raise calculated after tax?
We compute annual take-home at your current salary and at the new salary with the same 2026 engine, then take the difference. The gap covers federal and provincial income tax plus CPP/QPP, EI and QPIP (Quebec), each computed on the full annual totals. See the methodology page for the full 2026 tables and formulas.