MMoneyStant
Canadian pay clarity, instantly

Know what your salary is really worth.

Fast, private estimates for Canadian take-home pay and income tax—designed to help you compare offers, plan your budget, and make confident money decisions.

Calculate my take-home See how it works
No sign-up All provinces & territories Free to use
Estimated monthly take-home$5,219
Annual salary$85,000
ProvinceOntario
Kept73.7%
Private calculationNothing saved
Built for decisions likeComparing job offers Planning a move Budgeting your pay Estimating tax
CRA 2026 parameters

What will you actually take home?

2026
$

Your numbers stay in your browser.

Estimated average take-home

$2,448 average / pay

$63,645 per year after estimated deductions

Federal tax− $10,458
Ontario tax− $5,128
CPP / CPP2− $4,646
EI− $1,123
Average deduction rate25.1%

CRA July 2026 and Revenu Québec 2026 parameters. Assumes employment income, default TD1 claim amounts and a full-year resident. Actual payroll can differ with benefits, credits, deductions or year-to-date contributions.

Scenario lab

Change one thing. See what moves.

Explore how salary and location affect estimated deductions. This is a learning tool—not a recommendation about where to live or work.

Your missionMove the salary slider and find where deduction rates change.
$85,000
$30k$250k
$63,645annual take-home
25.1% estimated deductions
VS
$63,690annual take-home
25.1% estimated deductions

Alberta shows $44 more estimated annual take-home in this scenario.

A difference is not a recommendation. Housing, benefits, credits, and personal circumstances are not included.
Tax basics quest

Three questions. One smarter mental model.

Score0/3
Question 1 of 3

A higher tax bracket means all of your income is taxed at the higher rate.

Account mechanics lab

FHSA, TFSA, and RRSP—follow the money.

Choose a broad context to rearrange an educational diagram. It explains tax mechanics only; it does not select an account or contribution amount for you.

+3 conceptsDeduct · grow · withdraw
Deductible contributions reduce taxable income; compare that mechanic with TFSA flexibility.
1

FHSA

$8,000 annual · $40,000 lifetime
Money inContribution may reduce taxable income
↓
While insideGrowth is tax-sheltered
↓
Money outQualifying first-home withdrawal is tax-free
2

RRSP

Uses available RRSP deduction limit
Money inContribution may reduce taxable income
↓
While insideTax is deferred while funds remain inside
↓
Money outWithdrawals are generally taxable; HBP has repayment rules
3

TFSA

Uses available TFSA contribution room
Money inNo deduction when contributing
↓
While insideGrowth is tax-free
↓
Money outWithdrawals are generally tax-free; room returns next year

Diagram order highlights which mechanics are most relevant to explore for the selected context—not what anyone should open, fund, or prioritize. Eligibility and contribution room must be verified independently.

Rate watch

Compare the headline. Inspect the conditions.

Public rates collected from provider pages on August 6, 2026. Rates can change without notice; verify before opening or renewing an account.

Last checkedAug 6, 2026
Provider & productRateAccessImportant conditions
EQ Bank30-Day Notice Savings · Savings2.75%30-day noticeVariable; not offered in QuebecView rate
WealthsimpleChequing · Savings1.25–2.25%AnytimeRate depends on client tier or eligible direct depositView rate
Oaken FinancialSavings Account · Savings2.80%AnytimeVariable; subject to changeView rate
RBCHigh Interest eSavings · Promo savings4.10%AnytimeNew-client offer; 0.55% regular rate; qualifying period ends Oct. 27, 2026View rate
TDGrowth Savings · Savings0–1.50%AnytimeTiered; boosted rate requires eligible TD chequingView rate
Oaken Financial1-Year Non-redeemable GIC · GIC3.50%Locked 1 year$1,000 minimum; annual interest optionView rate
EQ BankGIC range · GICUp to 4.00%Locked by termRate varies by term and registrationView rate

No paid placement currently. These are direct provider links, not affiliate tracking links. Promotional eligibility, deposit insurance category, minimums, and withdrawal restrictions vary.

Clear by design

Money tools should make you feel more confident—not more confused.

Answers in seconds

Move from gross salary to a clear take-home estimate without spreadsheets or complicated forms.

Private by design

No account, no email, and no financial data stored. Your estimate stays on your device.

Made for Canada

Compare provinces and understand income tax, CPP, and EI in plain language.

Simple on purpose

From salary to clarity in three small steps.

We translate the complicated parts of Canadian payroll into a result you can actually use.

Try the calculator
  1. 01

    Enter your salary

    Add your annual income—no personal details required.

  2. 02

    Choose where you live

    Select your province or territory and preferred pay schedule.

  3. 03

    See the full picture

    Review estimated take-home pay, tax, CPP, and EI at a glance.

Make your next number count

A clearer paycheque starts here.

Use a fast estimate to plan your next offer, move, or monthly budget.

Calculate take-home pay