Last updated: 2026 CRA, provincial, CPP, and EI assumptions reviewed. Assumptions & sources
Tools & Resources

Net to Gross Income Calculator

Most calculators start with your salary and tell you what is left. This one runs the other way. Tell it the take-home pay you actually need, and it works backward to the gross salary that gets you there after tax, CPP, and EI.

This one runs backwards
Salary, then whatever is left→The take-home you need, then the salary
Useful when you are negotiating, weighing a job, or working out what a role has to pay to keep your household whole.

The Take-Home You Need

Enter the amount you want to keep after deductions. This is the number that lands in your account and pays the bills.

A one-tap starting point. Every field below is still yours to change.
$60,000
$

Assumes ordinary employment income (T4). The gross figure carries federal and provincial tax, CPP or QPP, EI, the CPP and EI credits every employee claims, the enhanced CPP deduction, the $1,501 Canada employment amount, and the Ontario Health Premium where it applies. It leaves out refundable credits (the GST/HST credit, the Canada Workers Benefit, the Ontario Trillium and LIFT credits), the pension, age and spousal amounts, alternative minimum tax, Quebec-only credits, RRSP deductions, dividends, and self-employment income. For a full picture, use the tax calculator.

The Salary You Need

$0
Gross annual salary
$0
Tax, CPP & EI
$0
Your take-home
0%
Average deduction rate
$0
Gross per $1 take-home

Where Your Gross Income Goes

Every dollar of the gross salary you need, drawn to scale, split into what you keep and what goes to tax, CPP, and EI.

Where the Gap Goes

The difference between gross and take-home, line by line, for the year.

LineAmount

The Same Salary, Different Pay Periods

Pay periodGrossTake-home

Hourly assumes 2,080 working hours a year (40 hours a week, 52 weeks). Your real hourly will differ with overtime, unpaid weeks, or part-time hours.

Why gross is not the number that matters

The salary on your offer letter is gross. What you can actually budget, give, and save from is net. The gap between them, tax, CPP, and EI, is real money you never touch directly, and it widens as income rises because of marginal tax rates.

This tool is most useful for two questions: "What would I need to earn to support this household?" and "How big a raise turns into the take-home I am after?" Start with the life you need to fund, and work the salary out from there.

A pastoral note

Knowing your number is an act of wisdom. A man who has counted the cost can plan, give on purpose, and stop chasing a vague "more." Proverbs 27:23 says to know well the condition of your flocks. Your income is part of that flock. Name the number, then steward it.

Go deeper

Full tax calculator if you have RRSP contributions, dividends, or self-employment income.

Home affordability calculator to turn that take-home into a realistic housing budget.

Tools Dan uses

Put the take-home to work

Knowing your number is step one. Step two is giving every surplus dollar a job. Wealthsimple holds Dan's TFSA, RRSP, and FHSA in one place, with no minimum to start.

Open a Wealthsimple account →

Affiliate link, no cost to you. How this works. See the full list of tools Dan recommends.

Frequently Asked Questions

What is the difference between gross and net income?

Gross income is your full salary before anything is taken off. Net income, or take-home pay, is what remains after income tax, CPP contributions, and EI premiums are deducted. A job offer quotes the gross figure, and your bank deposit shows the net one.

How much gross do I need to take home a certain amount?

It depends on your province and how high the income is, because Canadian tax is marginal: each additional dollar is taxed at a higher rate as you move up. As a rough guide in 2026, taking home $60,000 in Ontario needs about $79,550 gross. Enter your exact target in the calculator for a precise figure.

How much do I need to earn to take home $5,000 a month in Ontario?

About $79,550 a year, which works out to roughly $6,630 a month of gross pay or $3,060 every two weeks. On that salary in 2026, income tax takes about $14,000, CPP contributions about $4,430, and EI premiums $1,123, which leaves the $60,000 a year you were aiming for. Set the toggle to Per month, enter 5,000, and the same solve runs for your own province.

Why does the gap between gross and net get bigger at higher salaries?

Because of marginal tax brackets. The first band of your income is taxed at the lowest rate, and every band above it is taxed more steeply. So doubling your gross salary more than doubles the deductions, and the share you keep slowly falls. CPP and EI flatten the curve a little once you pass their annual caps, because those two stop growing.

Can I lower the gross I need by contributing to an RRSP?

Often, yes. RRSP contributions reduce your taxable income, so they can shrink your tax bill for a given gross salary. This tool models a straightforward T4 salary without RRSP deductions. To see the effect of contributing, use the full tax calculator or the Tax Return Optimizer.