take-home per bi-weekly pay
$1,416
from $1,731 gross per bi-weekly pay — 18.2% 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 | $1,416.35 | 81.8% |
| Federal income tax | $128.39 | 7.4% |
| Ontario tax · surtax · health premium | $62.85 | 3.6% |
| CPP + CPP2 | $94.97 | 5.5% |
| EI premium | $28.21 | 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 11.1%, 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
- Ontario income tax & health premium
- − $62.85
- Take-home
- $1,416.35
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 $1,416.35 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 ($2,832.69) and the third-pay months hand you an extra $1,416.35. Semi-monthly — twice a month, 24 pays — is not the same: each pay is $1,534.37.
| Paid | Gross | Tax, CPP & EI | Take-home |
|---|---|---|---|
| Yearly | $45,000 | $8,175 | $36,825 |
| Monthly | $3,750.00 | $681.25 | $3,068.75 |
| Semi-monthly | $1,875.00 | $340.63 | $1,534.37 |
| Bi-weekly | $1,730.77 | $314.42 | $1,416.35 |
| Weekly | $865.38 | $157.21 | $708.17 |