Canada Net Pay, Tax, Mortgage & Loan Calculators (2025)

Quick, accurate and easy to read. Check your net pay after CPP, EI and TD1. Estimate your income tax refund or amount owing. Plan mortgage (including accelerated bi‑weekly) and loan payments. No signup — share a link to your exact result.

Built for Canada: Ontario, British Columbia, Alberta and more. We keep brackets and rates current and show clear breakdowns. Estimates only; confirm with CRA or your employer’s payroll.

Frequently Asked Questions

Use our Net Pay (Payroll) calculator. Pick your province and pay frequency and enter your gross pay. The tool applies CPP, EI, federal & provincial tax with TD1 personal amounts and credits to estimate your take‑home pay.

Use the Tax Refund calculator. Enter income, RRSP, province and TD1. We estimate tax withheld using your pay frequency and compare it against tax after credits. You can override the withheld amount in the Advanced section.

Accelerated bi‑weekly payments are (monthly payment × 12 ÷ 26). You pay slightly more each two weeks, adding roughly one extra monthly payment per year, which reduces interest and shortens amortization.

Province guides

Ontario net pay calculator (2025) — Estimate take‑home pay using CPP, EI and Ontario tax brackets. Includes TD1 personal amounts, CPP/EI credits and the Canada Employment Amount.

Ontario tax refund calculator (2025) — Enter employment income, RRSP and TD1 to see an estimated refund or amount owing. We auto‑estimate tax withheld using your pay frequency and CRA‑style per‑pay rounding (you can override).

Ontario mortgage calculator — Compare monthly vs bi‑weekly vs accelerated bi‑weekly payments. See total interest and a compact amortization table.

Ontario loan calculator — Plan personal/auto loan payments with monthly, bi‑weekly or weekly frequency.

Popular searches: Ontario payroll calculator, Ontario income tax refund 2025, Ontario mortgage payment bi‑weekly.

BC net pay calculator (2025) — Calculates take‑home pay using B.C. brackets and credit rate with CPP/EI and TD1 defaults for the province.

BC tax refund calculator (2025) — Estimates refund or owing after non‑refundable credits and B.C. tax. Withholding is estimated from employment income by frequency; override if needed.

BC mortgage calculator — Payment breakdowns for Vancouver/Island/Okanagan with accelerated bi‑weekly option.

BC loan calculator — Compare payment frequencies to fit your budget.

Popular searches: BC payroll calculator 2025, BC income tax calculator, BC mortgage calculator accelerated.

Alberta net pay calculator (2025) — Uses Alberta’s brackets and credit rate. CPP/EI and TD1 defaults included for quick estimates of take‑home pay.

Alberta tax refund calculator (2025) — Estimates refund versus owing after credits. Withholding is estimated by frequency with per‑pay rounding.

Alberta mortgage calculator — Monthly, bi‑weekly, and accelerated bi‑weekly comparisons for Calgary/Edmonton and beyond.

Alberta loan calculator — Fast payment and interest breakdown for personal loans.

Popular searches: Alberta payroll calculator, Alberta income tax refund 2025, Alberta mortgage payment calculator.