Your Take-Home Pay, Instantly
See your real paycheck after federal + state taxes in seconds.
The average Canadian loses 28% of their salary to taxes. See where you stand.
Enter your salary to estimate take-home pay
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How to Calculate Your Take-Home Pay
Estimating your net income can be complicated. Our free paycheck calculator simplifies federal income tax, Social Security, Medicare, and regional taxes for both the USA and Canada. Whether you are hourly or salaried, understanding your "money in the bank" is the first step toward financial freedom.
Why is my take-home pay lower than my salary?
The difference between your gross salary and your take-home pay is primarily due to tax withholdings. In the USA, this includes Federal Income Tax and FICA (Social Security and Medicare). In Canada, your employer deducts Federal Tax, CPP (Canada Pension Plan), and EI (Employment Insurance).
How much tax will I pay on $80,000?
On an $80,000 salary, your tax burden depends heavily on your location. In high-tax states or provinces, you might see up to 30% in total deductions, while in zero-income tax regions, federal taxes remain the primary deduction.
$100K salary after tax (USA vs Canada)
A $100,000 USD salary often results in a higher take-home pay than a $100,000 CAD salary due to differences in federal tax brackets and social contribution rates like CPP/EI vs FICA.
Monthly vs Biweekly take-home differences
While the annual total remains the same, biweekly pay periods mean 26 checks per year, resulting in two months with three paychecks, which can significantly help with budgeting compared to 12 fixed monthly payments.
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Frequently Asked Questions
How is take-home pay calculated?
We use current federal tax brackets for both the US and Canada to estimate your income after tax. It includes Social Security, Medicare, CPP, and EI where applicable.
What's included in deductions?
Calculations include Federal Income Tax, Social Security/Medicare for USA, and CPP/EI for Canada.
Does this support provinces/states?
Yes — select your state or province from the dropdown for a combined federal + regional estimate.
Is my data saved?
No. All calculations are done in your browser. No data is sent to our servers.