take-home per bi-weekly pay
$9,471
from $15,385 gross per bi-weekly pay — 38.4% 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 $15,385 gross per bi-weekly pay, split into what you keep and what comes off the top.
| Take-home | $9,471.35 | 61.6% |
| Federal income tax | $3,948.77 | 25.7% |
| Alberta income tax | $1,742.59 | 11.3% |
| CPP + CPP2 | $178.71 | 1.2% |
| EI premium | $43.20 | 0.3% |
The raise myth
Of your next $1,000 raise, you keep $520. New dollars are taxed at your true marginal rate of 48.0% — not your overall effective rate of 37.0%, 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
- $15,384.62
- CPP
- − $178.71
- EI
- − $43.20
- Federal income tax
- − $3,948.77
- Alberta income tax
- − $1,742.59
- Take-home
- $9,471.35
Why your last pays of the year are bigger
Payroll takes CPP and EI only until you reach the yearly maximums. At $400,000 a year, EI stops around pay 5, base CPP around pay 5 and CPP2 around pay 6 of 26. The figures above average those deductions over the year, so your early pays come in a little lower and the later ones a little higher. Income tax is withheld evenly throughout.
$400,000 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 ($18,942.70) and the third-pay months hand you an extra $9,471.35. Semi-monthly — twice a month, 24 pays — is not the same: each pay is $10,260.63.
| Paid | Gross | Tax, CPP & EI | Take-home |
|---|---|---|---|
| Yearly | $400,000 | $153,745 | $246,255 |
| Monthly | $33,333.33 | $12,812.08 | $20,521.26 |
| Semi-monthly | $16,666.67 | $6,406.04 | $10,260.63 |
| Bi-weekly | $15,384.62 | $5,913.27 | $9,471.35 |
| Weekly | $7,692.31 | $2,956.63 | $4,735.67 |