take-home per bi-weekly pay
$715
from $769 gross per bi-weekly pay — 7.1% goes to tax, CPP & EI
*what your next $100 actually loses — includes CPP/EI phase-ins, provincial surtax and health premium, and low-income credits phasing out
Download statement (PDF)Every line explained, bracket figures and a pay schedule — ready to print.Link to this calculation →
The bracket map
Only the income inside a bracket pays that bracket's rate. Your marker shows how far up the ladder your taxable income reaches — everything below it is taxed at the lower rates, not the top one.
Hover or tap a segment to inspect it.
Hover or tap a segment to inspect it.
Where every dollar goes
Your $769 gross per bi-weekly pay, split into what you keep and what comes off the top.
| Take-home | $714.95 | 92.9% |
| Federal income tax | $3.98 | 0.5% |
| Alberta income tax | $0.00 | 0.0% |
| CPP + CPP2 | $37.76 | 4.9% |
| EI premium | $12.54 | 1.6% |
The raise myth
Of your next $1,000 raise, you keep $795. New dollars are taxed at your true marginal rate of 20.5% — not your overall effective rate of 0.5%, and never 100%.
A raise can never shrink your take-home pay — only the new dollars get taxed at the higher rate.
One bi-weekly pay, line by line
What comes off each of your 26 pays, on average across the 2026 tax year.
- Gross pay
- $769.23
- CPP
- − $37.76
- EI
- − $12.54
- Federal income tax
- − $3.98
- Alberta income tax
- -$0.00
- Take-home
- $714.95
Every pay is the same
At $20,000 a year you stay under the CPP and EI maximums, so both come off every pay evenly and your take-home is $714.95 all year.
$20,000 a year at every pay frequency
Bi-weekly is 26 pays a year, so two months each year have three paydays. Budget on two pays a month ($1,429.90) and the third-pay months hand you an extra $714.95. Semi-monthly — twice a month, 24 pays — is not the same: each pay is $774.53.
| Paid | Gross | Tax, CPP & EI | Take-home |
|---|---|---|---|
| Yearly | $20,000 | $1,411 | $18,589 |
| Monthly | $1,666.67 | $117.60 | $1,549.06 |
| Semi-monthly | $833.33 | $58.80 | $774.53 |
| Bi-weekly | $769.23 | $54.28 | $714.95 |
| Weekly | $384.62 | $27.14 | $357.48 |