💵 Paystub Analyzer

Where Does Your Money Actually Go?

Enter your gross pay or hourly rate. Every deduction explained in plain English — then project your income up to 12 months ahead.

2025 CPP / QPP Rates

All 13 Provinces

12-Month Projector

Free PDF

Your Pay Details

Gross Pay This Pay Period i

Gross pay = your full pay before tax, CPP, or EI is taken off.

How Often Are You Paid? i

Which Province Do You Work In?

📅 Income Projector

How many months ahead to project?6 months

Your Monthly Spending Goal i

Your estimated monthly budget. We'll show your surplus or shortfall.

⚠️ Estimates only. Actual deductions depend on your TD1 claims and employer setup.

Your Paystub BreakdownReady

💵

Enter your gross pay to get started

We'll explain every deduction in plain English, tell you if your tax withholding is normal, and project your income for the months ahead.

You Keep

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DescriptionThis Pay Period

Gross Pay—

Federal Income Tax—

Provincial Tax—

CPP (your pension contribution)—

EI (employment insurance)—

NET TAKE-HOME PAY—

Each Deduction as % of Gross Pay

Is My Tax Withholding Normal?

CPP & EI Annual Limits Tracker

Once you reach the annual limit, no more CPP or EI is deducted for the rest of the year — your take-home increases.

CPP Paid This Year (est.)—

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EI Paid This Year (est.)—

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Can You Cover Your Monthly Budget?

Monthly take-home pay—

Your monthly spending goal—

Monthly surplus—

6-Month Income Projection

Month	Gross Pay	Deductions	Take-Home

PROJECTION TOTAL

Total Gross—

Total Deductions—

Total Take-Home—

Full Year Estimate

Annual gross pay—

Annual tax + deductions—

Annual take-home pay—

Effective rate (all deductions)—

Marginal rate (tax on next dollar)—

⚠️ Important: Estimates only. Actual deductions depend on your TD1 form claims, employer benefit deductions, and whether you've reached CPP/EI annual maximums. Not financial or tax advice. CanadaCalc accepts no liability for decisions made based on these estimates.