take-home per bi-weekly pay
$857
from $962 gross per bi-weekly pay — 10.9% 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 $962 gross per bi-weekly pay, split into what you keep and what comes off the top.
| Take-home | $856.76 | 89.1% |
| Federal income tax | $28.86 | 3.0% |
| Ontario tax · surtax · health premium | $11.04 | 1.1% |
| CPP + CPP2 | $49.20 | 5.1% |
| EI premium | $15.67 | 1.6% |
The raise myth
Of your next $1,000 raise, you keep $782. New dollars are taxed at your true marginal rate of 26.5% — not your overall effective rate of 4.2%, 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
- $961.54
- CPP
- − $49.20
- EI
- − $15.67
- Federal income tax
- − $28.86
- Ontario income tax & health premium
- − $11.04
- Take-home
- $856.76
Every pay is the same
At $25,000 a year you stay under the CPP and EI maximums, so both come off every pay evenly and your take-home is $856.76 all year.
$25,000 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 ($1,713.52) and the third-pay months hand you an extra $856.76. Semi-monthly — twice a month, 24 pays — is not the same: each pay is $928.16.
| Paid | Gross | Tax, CPP & EI | Take-home |
|---|---|---|---|
| Yearly | $25,000 | $2,724 | $22,276 |
| Monthly | $2,083.33 | $227.02 | $1,856.31 |
| Semi-monthly | $1,041.67 | $113.51 | $928.16 |
| Bi-weekly | $961.54 | $104.78 | $856.76 |
| Weekly | $480.77 | $52.39 | $428.38 |