Net to Gross Calculator Canada 2026
Enter your desired annual take-home (CAD) and get the gross salary needed after federal tax, provincial tax, CPP, and EI. By province and filing status.
Gross annual salary needed
$67,770
To take home $49,999/year after federal tax, provincial tax, CPP, and EI
Total tax & payroll
$17,771
Effective rate
26.2%
Net to gross by province
Provincial tax varies—select your province or target take-home (CAD):
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
By target take-home (CAD):
What does net to gross mean in Canada?
Gross salary is your pay before any deductions. Net pay (take-home) is what you receive after federal income tax, provincial or territorial income tax, CPP (Canada Pension Plan), and EI (Employment Insurance) are withheld. A net-to-gross calculator Canada does the reverse: you enter the annual take-home you want in CAD, and it tells you the gross salary you need so that after all those deductions you end up with that net. This is useful for budgeting ("I need $4,000/month after tax—what salary?"), comparing job offers in different provinces, or planning a move. Use the calculator above for your province and filing status. For US net to gross, use our Net to Gross Calculator; for gross to net (forward), use our Canada Tax Calculator.
Federal and provincial tax in Canada
Federal income tax uses the same brackets across Canada. Provincial and territorial tax uses separate brackets and rates—Quebec, Nova Scotia, and Newfoundland and Labrador tend to have higher rates; Alberta, Nunavut, and the Northwest Territories lower ones. When going from net to gross, the calculator must account for both: as gross increases, you move into higher federal and provincial brackets, so the combined effective rate rises. We use current federal and provincial brackets for your selected province so the gross we compute matches real withholding. For a detailed breakdown of tax on any gross amount, use our Canada Tax Calculator and select your province.
CPP and EI in the net-to-gross calculation
CPP is 5.95% on pensionable earnings (after a basic exemption) up to the Year’s Maximum Pensionable Earnings (YMPE). EI is a percentage of insurable earnings up to an annual maximum. Both are capped, so at high incomes they don’t keep increasing. When calculating the gross needed for a desired net, we include CPP and EI so the result reflects what actually comes off your pay. For CPP and EI amounts only, use our CPP & EI Calculator Canada. For RRSP tax savings (which also reduce taxable income), use our RRSP Calculator Canada.
When to use a net-to-gross calculator for Canada
Use a net-to-gross calculator when you know the take-home you need and want to know the salary to ask for or budget from—e.g. "I need $60,000 after tax in Ontario as a single filer—what gross?" It’s useful for comparing job offers in different provinces (same net, different gross because of different provincial tax), planning a move, or setting a salary target in negotiations. Your actual pay may differ slightly due to other deductions (e.g. benefits, union dues). For TFSA or RRSP planning alongside take-home, use our TFSA Calculator Canada and RRSP Calculator Canada.