take-home per bi-weekly pay
$1,421
from $1,731 gross per bi-weekly pay — 17.9% 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 $1,731 gross per bi-weekly pay, split into what you keep and what comes off the top.
| Take-home | $1,420.65 | 82.1% |
| Federal income tax | $128.39 | 7.4% |
| Alberta income tax | $58.55 | 3.4% |
| CPP + CPP2 | $94.97 | 5.5% |
| EI premium | $28.21 | 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 10.8%, 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
- $1,730.77
- CPP
- − $94.97
- EI
- − $28.21
- Federal income tax
- − $128.39
- Alberta income tax
- − $58.55
- Take-home
- $1,420.65
Every pay is the same
At $45,000 a year you stay under the CPP and EI maximums, so both come off every pay evenly and your take-home is $1,420.65 all year.
$45,000 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 ($2,841.29) and the third-pay months hand you an extra $1,420.65. Semi-monthly — twice a month, 24 pays — is not the same: each pay is $1,539.03.
| Paid | Gross | Tax, CPP & EI | Take-home |
|---|---|---|---|
| Yearly | $45,000 | $8,063 | $36,937 |
| Monthly | $3,750.00 | $671.93 | $3,078.07 |
| Semi-monthly | $1,875.00 | $335.97 | $1,539.03 |
| Bi-weekly | $1,730.77 | $310.12 | $1,420.65 |
| Weekly | $865.38 | $155.06 | $710.32 |