# CanPay Insights: Paycheck — Take-Home Pay & Tax 2026

> Take-Home Pay & Tax 2026 (iPhone/iPad app by Qi Zhang.)

- Source: https://appshunter.io/ios/app/canpay-insights-paycheck/id6759822038 (this page in markdown: same URL + `.md`)
- Developer: [Qi Zhang](https://appshunter.io/developer/6775123701)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 30 MB
- Languages: American English
- Released: 2026-03-03
- Data updated: 2026-10-16

## What is CanPay Insights?

CanPay Insights shows what a Canadian paycheque is actually worth after federal tax, provincial tax, CPP/CPP2 (QPP/QPIP in Quebec) and EI — for 2026, in every province and territory.

WHAT IT DOES
• Annual salary, hourly wage, or a full timesheet with shifts, breaks, overtime and premiums
• Every pay frequency: weekly, biweekly, semi-monthly, monthly
• RRSP contributions, union dues and other deductions, handled the way the CRA does
• Ontario Health Premium, Ontario and BC tax reductions, the federal basic personal amount phase-out — the items that are withheld at source, so the number matches your real cheque
• Compare provinces side by side before a move or a job offer
• Save calculations and see how your pay changed over time (optional sign-in with Apple or Google)

HOW IT IS BUILT
The app runs the same open rules engine as canpayinsights.ca, verified against the CRA's payroll deduction formulas (T4127) for the current year. Every figure traces to a published rate; nothing is estimated.

PRIVACY
No account is required. No ads. No IP address or precise location is ever stored. Anonymous usage counts use income brackets, never exact salaries.

Available in English, French, Simplified Chinese, Punjabi, Hindi, Tagalog, Spanish, Ukrainian, Korean and Vietnamese.

Estimates for a single employee with standard credits. Your employer's payroll and your tax return may differ.

## Is CanPay Insights safe?

Not enough ratings yet to assess CanPay Insights.

## Is CanPay Insights legit?

CanPay Insights: Paycheck has limited verification signals. The AppsHunter Legitimacy Score for CanPay Insights is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.2.4 — 2026-10-07

• New switch on the home screen turns anonymous calculation statistics off. No account needed.
• Timesheet now asks how your tips are paid. Tips paid directly by customers have no CPP or EI deducted, as CRA rules require.
• Calculations corrected against the CRA and Revenu Québec 2026 payroll tables: Canada employment amount, enhanced CPP deduction, Quebec worker deduction, Yukon basic amount, employer RRSP match and non-cash benefits.

### 1.2.2 — 2026-09-17

Your take-home pay is now more accurate — and slightly higher.

We checked the calculator against the Canada Revenue Agency's own payroll
deduction tables, line by line, and found rules we were missing:

• The Canada employment amount, a federal credit on the first $1,501 of
  employment income — worth about $210 a year, and it was not being applied.
• Enhanced CPP: the "enhanced" part of your contribution is deducted from
  income before tax, not credited at the lowest rate.
• Quebec: Quebec does not credit QPP or EI contributions, and does allow the
  deduction for workers. Quebec figures are now slightly lower and exact.
• Yukon: the basic personal amount now phases out above $181,440, as it does
  federally.

Most take-home figures rise by about $200 to $500 a year. Every result is now
tested against more than 10,000 rows of the government's official tables
before any update ships.

### 1.2.1 — 2026-09-10

Take-home pay now matches canpayinsights.ca to the cent. Ontario: the Ontario Health Premium and the Ontario tax reduction are now withheld, as on your real paycheque. BC: the BC tax reduction for lower incomes is applied. Federal: the basic personal amount phases down above $181,440. Union dues are treated as pre-tax, as the CRA does.

You can now delete your account, and everything saved to it, from inside the app.

### 1.2.0 — 2026-08-27

Signing in is simpler, and no longer needs a password.

• Sign in with Apple, with Google, or with a one-time link sent to your email
• Your saved calculations and pay history are unchanged and still sync across your devices

Because the sign-in system has changed, you'll be signed out once after this update. Sign in again with the same email address and everything will be exactly where you left it.

If you used to sign in with an email and password, choose the email link option instead — there's no password to remember.

### 1.1.0 — 2026-08-08

Added seven new languages: Punjabi, Hindi, Tagalog, Spanish, Ukrainian, Korean, and Vietnamese. The calculator now speaks ten languages.

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## More apps by Qi Zhang

- [VisaScout](https://appshunter.io/ios/app/visascout/id6760326776)

All apps by Qi Zhang: https://appshunter.io/developer/6775123701

## Related topics

[canpayinsights](https://appshunter.io/ios/topics/canpayinsights)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-16.*