take-home per bi-weekly pay
$1,282
from $1,538 gross per bi-weekly pay — 16.7% 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 $1,538 gross per bi-weekly pay, split into what you keep and what comes off the top.
| Take-home | $1,281.99 | 83.3% |
| Federal income tax | $103.51 | 6.7% |
| Ontario tax · surtax · health premium | $44.35 | 2.9% |
| CPP + CPP2 | $83.53 | 5.4% |
| EI premium | $25.08 | 1.6% |
The raise myth
Of your next $1,000 raise, you keep $699. New dollars are taxed at your true marginal rate of 30.1% — not your overall effective rate of 9.6%, 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
- $1,538.46
- CPP
- − $83.53
- EI
- − $25.08
- Federal income tax
- − $103.51
- Ontario income tax & health premium
- − $44.35
- Take-home
- $1,281.99
Every pay is the same
At $40,000 a year you stay under the CPP and EI maximums, so both come off every pay evenly and your take-home is $1,281.99 all year.
$40,000 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 ($2,563.98) and the third-pay months hand you an extra $1,281.99. Semi-monthly — twice a month, 24 pays — is not the same: each pay is $1,388.82.
| Paid | Gross | Tax, CPP & EI | Take-home |
|---|---|---|---|
| Yearly | $40,000 | $6,668 | $33,332 |
| Monthly | $3,333.33 | $555.68 | $2,777.65 |
| Semi-monthly | $1,666.67 | $277.84 | $1,388.82 |
| Bi-weekly | $1,538.46 | $256.47 | $1,281.99 |
| Weekly | $769.23 | $128.23 | $641.00 |