Raise calculator Canada 2026
A raise is taxed at your marginal rate, so you keep less than the headline. A 3% raise on $60,000 in Ontario adds $1,158 a year to your take-home, or $44.53 per bi-weekly cheque.
How much of a $1,000 raise you keep
| Current salary | Ontario | Quebec | British Columbia | Alberta |
|---|---|---|---|---|
| $40,000 | $699 | $674 | $708 | $721 |
| $55,000 | $708 | $674 | $722 | $721 |
| $60,000 | $643 | $570 | $658 | $657 |
| $70,000 | $656 | $582 | $671 | $649 |
| $80,000 | $675 | $609 | $689 | $667 |
| $90,000 | $704 | $635 | $718 | $695 |
| $100,000 | $685 | $635 | $718 | $695 |
| $120,000 | $566 | $543 | $617 | $640 |
| $160,000 | $550 | $525 | $593 | $620 |
A raise above $68,900 carries no more EI, and above $85,000 no more CPP or CPP2, so the share you keep can go up as your salary rises before the next bracket bites. In Ontario you keep $675 of $1,000 at $80,000 and $704 at $90,000.
Inflation and indexing
Federal brackets and credits rose 2% for 2026, so a raise that only matches inflation leaves your tax rate about the same. Manitoba's brackets are frozen, and BC's will be frozen from 2027 to 2030, so in those provinces a cost-of-living raise is taxed slightly more each year.
FAQ
Can a raise leave me worse off?
Not through income tax, CPP or EI: you always keep part of each extra dollar. A raise can reduce income-tested benefits such as the Canada Child Benefit, the GST/HST credit or provincial low-income credits.
How much of a 3% raise do I keep on $60,000?
In Ontario a 3% raise ($1,800) adds $1,158 a year to take-home, 64.3% of the raise.
Why is my first cheque after a raise different?
Retroactive pay, a mid-period change or reaching the CPP or EI maximum can make one cheque unusual. The calculator shows the steady position over a full year.