Take-Home Pay Calculator
Estimate your net pay after federal and provincial tax, CPP/QPP, EI and QPIP for the 2026 tax year. Every rate is dated and cited. This is an estimate, not tax advice.
Estimate your take-home pay
Estimate only — not tax advice. Applies the basic personal amount, the Ontario surtax and health premium, and the Quebec federal abatement; excludes other credits and benefits.
Tax year 2026 · CAD
Net (take-home) pay — annual
$52,537.92
- Net monthly
- $4,378.16
- Net bi-weekly
- $2,020.69
- Average tax rate
- 24.9%
- Federal tax
- $8,242.73
- Provincial tax (Ontario)
- $3,539.53
- Ontario Health Premium
- $600.00
- CPP
- $3,956.75
- EI
- $1,123.07
- Estimate only — not tax advice. Based on 2026 Ontario rates. Excludes credits beyond the basic personal amount, benefits and employer-specific deductions. Confirm with a tax professional or an official payroll calculator.
How this is calculated
Federal income tax
progressive brackets on gross − (BPA × lowest rate)
= brackets($70,000.00) − ($16,452.00 × 14.00%)
$8,242.73
Provincial income tax
progressive brackets on gross − (BPA × lowest rate)
= brackets($70,000.00) − ($12,989.00 × 5.05%)
$3,539.53
Ontario Health Premium
bracketed levy on taxable income (capped per band, max $900)
= band at $70,000.00
$600.00
Net pay
gross − federal − regional − contributions − deductions
= $70,000.00 − $17,462.08
$52,537.92
What is $30 an hour annually?
At a full-time schedule of 40 hours a week over 52 weeks, $30/hour = $30 × 40 × 52 = $62,400 a year. Divide by 12 for $5,200 a month, by 26 for $2,400 every two weeks, or by 52 for $1,200 a week. The calculator runs this both ways — type any pay period and it fills in all the others.
Hourly wage to annual salary (40 h/week, 52 weeks)
| Hourly | Weekly | Bi-weekly | Monthly | Annual |
|---|---|---|---|---|
| $20 | $800 | $1,600 | $3,467 | $41,600 |
| $25 | $1,000 | $2,000 | $4,333 | $52,000 |
| $30 | $1,200 | $2,400 | $5,200 | $62,400 |
| $35 | $1,400 | $2,800 | $6,067 | $72,800 |
| $40 | $1,600 | $3,200 | $6,933 | $83,200 |
| $50 | $2,000 | $4,000 | $8,667 | $104,000 |
Trade wages in Canada — national low / median / high ($/hr)
| Trade | Low | Median | High |
|---|---|---|---|
| Construction electrician | $20.00 | $35.00 | $48.00 |
| Plumber | $21.00 | $34.00 | $46.00 |
| Carpenter | $22.00 | $32.12 | $44.23 |
| Welder | $22.00 | $30.00 | $47.00 |
| Heavy-duty equipment mechanic | $23.87 | $37.12 | $55.00 |
| Refrigeration & A/C (HVAC) | $22.00 | $37.50 | $56.00 |
| Ironworker | $29.00 | $43.00 | $49.80 |
| Construction helper / labourer | $18.25 | $25.00 | $40.00 |
How take-home (net) pay is calculated
Your net pay is your gross income minus federal income tax, provincial or state income tax, and mandatory contributions. In Canada that means the Canada Pension Plan (CPP) and Employment Insurance (EI); in Quebec it is the Quebec Pension Plan (QPP), a reduced EI rate, and the Quebec Parental Insurance Plan (QPIP). Income tax is progressive — each slice of income is taxed at the rate of the bracket it falls in, not one flat rate on the whole amount. The Basic Personal Amount is applied as a credit so the first several thousand dollars are effectively tax-free. The estimate also includes the Ontario surtax and Ontario Health Premium, the 16.5% Quebec federal abatement, and California's uncapped SDI payroll deduction where they apply.
Estimate only — not tax advice
Tax rates change every year and vary by jurisdiction. This calculator uses dated 2026 tax-year constants and applies the basic personal amount, the Ontario surtax and health premium, the Quebec federal abatement and California SDI. It excludes other credits and deductions, RRSP/401(k) treatment, benefits, and employer-specific deductions. Figures are estimates for planning only — confirm your actual deductions with an official payroll calculator or a tax professional.
- •Overtime is rarely guaranteed — the base pay-period figures exclude it, and the overtime field is added on top only when you enter it.
- •Seasonal trades aren't paid 52 weeks — drop the weeks-per-year value to annualise realistically.
- •Wage benchmarks are national figures; pay varies by region, certification (Red Seal), union status and experience.
Frequently asked questions
How much tax is deducted from a $70,000 salary in Ontario?+
On a $70,000 gross salary in Ontario for 2026, expect roughly $11,800 in combined federal and Ontario income tax, about $5,100 in CPP and EI, and a $600 Ontario Health Premium — leaving roughly $52,500 take-home. This is an estimate — confirm with an official payroll calculator.
Does this take-home pay calculator handle Quebec?+
Yes. Quebec uses the Quebec Pension Plan (QPP) and Quebec Parental Insurance Plan (QPIP) instead of CPP, plus a reduced EI rate and separate provincial tax brackets. The calculator applies the Quebec path automatically when you select Quebec.
What is $30 an hour annually?+
$30 an hour is $62,400 a year at 40 hours a week for 52 weeks ($30 × 40 × 52). That works out to about $5,200 a month, $2,400 every two weeks, or $1,200 a week before tax.
How do I calculate take-home pay?+
Take-home (net) pay is your gross income minus federal and provincial/state income tax and mandatory contributions — CPP/QPP and EI in Canada (plus QPIP in Quebec), or FICA in the US. This calculator applies dated 2026 tax-year rates. It is an estimate, not tax advice.
Is this tax calculator accurate?+
It uses official 2026 tax-year brackets, the basic personal amount, and current CPP/QPP/EI/QPIP or FICA constants, all cited and dated. It also models the Ontario surtax and health premium, the Quebec federal abatement and California SDI. It excludes other credits and employer deductions, so treat the result as a planning estimate and confirm with an official payroll calculator.
What does a tradesperson earn in Canada?+
National median wages range from about $25/hour for construction labourers to $43/hour for ironworkers, with electricians around $35/hour and HVAC mechanics around $37.50/hour (Canada Job Bank, 2023–2024 reference data).
Methodology & sources
Income tax is computed per progressive bracket using dated 2026 tax-year constants, with the basic personal amount applied as a credit (Canada) or standard deduction (US), plus CPP/QPP, EI, QPIP or FICA contributions, the Ontario surtax and health premium, the Quebec federal abatement and California SDI. Estimate only — not tax advice. Excludes other credits and employer deductions. Confirm with an official payroll calculator.
- Canada Revenue Agency — federal income tax rates & Basic Personal Amount (2026) — verified July 2, 2026
- Ontario Ministry of Finance / CRA — Ontario income tax rates, BPA, surtax & health premium (2026) — verified July 2, 2026
- Province of British Columbia — personal income tax rates & basic personal credit (2026) — verified July 2, 2026
- Revenu Québec — Quebec income tax rates & basic personal amount (2026) — verified July 2, 2026
- IRS — federal income tax brackets (single filer) & standard deduction, tax year 2026 (Rev. Proc. 2025-32) — verified July 2, 2026
- Texas Comptroller — Texas has no state personal income tax (2026) — verified July 2, 2026
- California Franchise Tax Board — tax rate schedule (single) & standard deduction; EDD — SDI rate (2026) — verified July 2, 2026
- CRA (CPP/EI), Revenu Québec & Retraite Québec (QPP/QPIP), SSA/IRS (FICA) — 2026 contribution constants — verified July 2, 2026
- Canada Job Bank — national wage report (Statistics Canada Labour Force Survey) — verified June 28, 2026
Last reviewed July 2, 2026. Estimates are indicative — verify against current product specs and local requirements before ordering.
We're committed to keeping these tools accurate and improving them over time. If you'd like to contribute to their accuracy, or you run into any issues or errors, please email us at info@tradesppl.com.