take-home per bi-weekly pay
$1,005
from $1,154 gross per bi-weekly pay — 12.9% 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 $1,154 gross per bi-weekly pay, split into what you keep and what comes off the top.
| Take-home | $1,004.76 | 87.1% |
| Federal income tax | $53.75 | 4.7% |
| Alberta income tax | $15.89 | 1.4% |
| CPP + CPP2 | $60.64 | 5.3% |
| EI premium | $18.81 | 1.6% |
The raise myth
Of your next $1,000 raise, you keep $721. New dollars are taxed at your true marginal rate of 27.9% — not your overall effective rate of 6.0%, 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
- $1,153.85
- CPP
- − $60.64
- EI
- − $18.81
- Federal income tax
- − $53.75
- Alberta income tax
- − $15.89
- Take-home
- $1,004.76
Every pay is the same
At $30,000 a year you stay under the CPP and EI maximums, so both come off every pay evenly and your take-home is $1,004.76 all year.
$30,000 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 ($2,009.51) and the third-pay months hand you an extra $1,004.76. Semi-monthly — twice a month, 24 pays — is not the same: each pay is $1,088.49.
| Paid | Gross | Tax, CPP & EI | Take-home |
|---|---|---|---|
| Yearly | $30,000 | $3,876 | $26,124 |
| Monthly | $2,500.00 | $323.03 | $2,176.97 |
| Semi-monthly | $1,250.00 | $161.51 | $1,088.49 |
| Bi-weekly | $1,153.85 | $149.09 | $1,004.76 |
| Weekly | $576.92 | $74.55 | $502.38 |