CanPayInsights

CanPayInsights

Canadian Payroll Calculator

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Details

  • Released
  • Updated
  • March 3, 2026
  • September 17, 2026

Features

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About

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.
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What's New in CanPayInsights

1.2.2

September 17, 2026

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.

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