take-home per bi-weekly pay
$1,009
from $1,154 gross per bi-weekly pay — 12.5% 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 | $1,009.11 | 87.5% |
| Federal income tax | $53.75 | 4.7% |
| Ontario tax · surtax · health premium | $11.54 | 1.0% |
| CPP + CPP2 | $60.64 | 5.3% |
| EI premium | $18.81 | 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 5.7%, 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
- Ontario income tax & health premium
- − $11.54
- Take-home
- $1,009.11
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 $1,009.11 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 ($2,018.22) and the third-pay months hand you an extra $1,009.11. Semi-monthly — twice a month, 24 pays — is not the same: each pay is $1,093.20.
| Paid | Gross | Tax, CPP & EI | Take-home |
|---|---|---|---|
| Yearly | $30,000 | $3,763 | $26,237 |
| Monthly | $2,500.00 | $313.59 | $2,186.41 |
| Semi-monthly | $1,250.00 | $156.80 | $1,093.20 |
| Bi-weekly | $1,153.85 | $144.74 | $1,009.11 |
| Weekly | $576.92 | $72.37 | $504.56 |