Take-home pay calculator
See what a salary leaves you after tax in any Canadian province or US state, using 2026 rates. Compare two offers, even across the border, in Canadian and US dollars.
Take-home pay
US$92,225
a year · US$7,685 a month · US$3,547 every two weeks
About CA$130,535 a year at today's Bank of Canada rate
| Salary | US$125,000 |
| Federal income tax | −US$18,734 |
| Social Security | −US$7,750 |
| Medicare | −US$1,813 |
| North Carolina income tax | −US$4,479 |
| Total deductions | US$32,775 (26%) |
A raise of US$1,000 would add about US$644 to your take-home pay (marginal rate 35.6%).
Estimate, not tax advice. Your real pay depends on your benefits, pension or 401(k) contributions, credits and other income. Check with your employer or a tax professional before you decide.
How we work it out
One person with salary only and no dependants. Canada follows the CRA's 2026 payroll formulas: federal and provincial tax, CPP or QPP (including the second tier), EI, and QPIP in Quebec. Ontario includes the surtax, the Ontario Health Premium and the low-income credits. The Northwest Territories and Nunavut include their 2% payroll tax.
The US uses the 2026 IRS brackets with the standard deduction, Social Security and Medicare (with the extra 0.9% over $200,000 single or $250,000 joint), state income tax, and the employee payroll programs in states that have them, such as California SDI or New Jersey's disability and family leave insurance.
What is simplified
- No pre-tax savings (RRSP, pension plans, 401(k), HSA) and no child credits.
- New York's high-income recapture is estimated. Connecticut's top-income recapture is left out.
- Local taxes cover the main ones only (New York City, Yonkers, Philadelphia, Maryland and Indiana counties, Detroit, Kansas City, St. Louis, and large Ohio cities).
- The US covers 31 states: those with large pharma and biotech hubs, plus the states with no income tax.
- Small low-income credits in some provinces are not included.
Rates are updated every January, and when a government changes them during the year.
Sources
Canada (federal, CPP, QPP, EI, QPIP):
- CRA: T4127 payroll deductions formulas, January 2026
- CRA: T4127 payroll deductions formulas, July 2026
- CRA: 2026 federal and provincial tax rates
- ESDC: CPP 2026 rates and maximums
- ESDC: EI 2026 maximum insurable earnings
- Revenu Québec: QPP 2026 maximum earnings and rate
- Revenu Québec: principal changes for 2026
United States (federal and FICA):
- IRS: Rev. Proc. 2025-32, 2026 inflation adjustments
- SSA: 2026 Social Security wage base
- IRS: Social Security and Medicare withholding rates
- IRS: Additional Medicare Tax
Provincial and state figures come from each government's own tax or revenue site.