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$180,394
a year · US$15,033 a month · US$6,938 every two weeks
About CA$255,330 a year at today's Bank of Canada rate
| Salary | US$270,000 |
| Federal income tax | −US$57,704 |
| Social Security | −US$11,439 |
| Medicare | −US$4,545 |
| New Jersey income tax | −US$15,009 |
| NJ UI (worker) | −US$171 |
| NJ WF/SWF (worker) | −US$19 |
| NJ TDI / SDI (worker) | −US$325 |
| NJ FLI (worker) | −US$394 |
| Total deductions | US$89,606 (33%) |
A raise of US$1,000 would add about US$593 to your take-home pay (marginal rate 40.7%).
Some figures for this state are from 2025 because 2026 numbers are not published yet.
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.