Quick answer: Take-home pay is your gross income minus estimated taxes and payroll deductions. Because the result depends on where you live and your tax situation, use the calculator below instead of applying one fixed percentage to every salary.
AffordBase / Salary calculators / Take-home pay
2026 PAY ESTIMATOR
Take-Home Pay Calculator
Enter your gross annual salary and location to estimate how much income you may have left after modeled income taxes and payroll deductions in Canada or the United States.
Turn gross salary into a clearer monthly budget.
Estimated 2026 take-homeCA$52,657CA$4,388 / monthPlanning estimate using 2026 marginal brackets and payroll contribution rates; credits and personal deductions can change actual tax.
Federal tax CA$11,571
Provincial tax CA$4,653
CPP CA$4,246
EI / QPIP CA$1,123
Ontario Health Premium CA$750
Total estimated deductions CA$22,343
How to use the take-home pay calculator
Choose Canada or the USA, enter your annual gross salary and select your province, territory or state. For US estimates, choose a filing status. AffordBase then estimates annual net income and converts it to an average monthly amount for budgeting.
Gross annual salary − estimated taxes − modeled payroll deductions = estimated take-home pay
What the estimate includes
For Canada, the calculator models federal and supported provincial or territorial income-tax brackets plus payroll contributions such as CPP or QPP and EI, with QPIP where applicable. For the United States, it models federal income tax, Social Security and Medicare, plus state income tax for states currently supported by the AffordBase engine.
For 2026, Canada’s federal brackets begin with a 14% rate on the first bracket, while US federal calculations use 2026 tax brackets and standard deductions. These inputs are used as planning assumptions; the calculator is not a tax return or payroll system.
Gross pay vs. take-home pay
Gross pay is your income before taxes and deductions. Take-home pay is closer to the amount available for rent, transportation, food, debt payments and savings. Employer benefits, retirement contributions, tax credits, local taxes and other personal circumstances can make your real paycheck different from this estimate.
Turn your net income into a monthly plan
Once you have an estimated monthly take-home figure, continue with the Rent Affordability Calculator, test your full lifestyle in the AffordBase Dashboard, or work backward from a target budget with the Salary Needed Calculator.
Hourly worker?
If you are paid by the hour, first use the Hourly to Salary Calculator to estimate annual gross income. You can also see worked examples for $25 an hour and $30 an hour.
Common questions
What is take-home pay?
Take-home pay is the amount of income left after estimated income taxes and payroll deductions are subtracted from gross pay. Your actual paycheck can also reflect benefits, retirement contributions and other employer deductions.
How does AffordBase estimate take-home pay?
Enter your annual gross salary, country and province or state. The calculator applies the tax and payroll assumptions currently modeled by AffordBase and shows estimated annual and monthly net income.
Does this calculator include every tax credit and deduction?
No. It is a planning estimate and does not model every credit, deduction, local tax or personal tax situation. Actual withholding and final tax can differ.
Can I use the result to plan rent or other expenses?
Yes. The monthly take-home estimate can be used as a starting point for AffordBase’s rent, car, city and full-budget planning tools.
Related calculators
Hourly to Salary Calculator →Rent Affordability Calculator →Monthly Budget Dashboard →Salary Needed Calculator →
AffordBase provides planning estimates only. It does not account for every tax credit, deduction, local tax, benefit or payroll item and is not tax, legal or financial advice.