Take-home pay in every province and territory in 2026: five salaries compared
How much of the same salary you keep depends on where in Canada you live. We ran five salaries through our 2026 take-home pay calculator for all 13 provinces and territories. At $40,000 the gap between the best and worst place is $2,050 a year. At $150,000 it grows to $12,931.
Take-home pay at five salaries
Yearly take-home pay for an employee with a single salary, after federal and provincial income tax, CPP (QPP in Quebec) and EI (plus QPIP in Quebec). Sorted by take-home pay at $100,000.
| Province or territory | $40,000 | $60,000 | $80,000 | $100,000 | $150,000 |
|---|---|---|---|---|---|
| Nunavut | $33,784 | $48,773 | $62,299 | $76,654 | $110,408 |
| British Columbia | $33,143 | $47,755 | $61,157 | $75,373 | $107,377 |
| Northwest Territories | $33,365 | $47,938 | $61,166 | $75,204 | $107,361 |
| Yukon | $33,255 | $47,885 | $61,039 | $74,998 | $107,893 |
| Alberta | $33,332 | $47,691 | $60,698 | $74,459 | $107,458 |
| Ontario | $32,814 | $47,340 | $60,303 | $74,206 | $104,320 |
| Saskatchewan | $32,721 | $46,520 | $59,022 | $72,288 | $104,037 |
| Manitoba | $32,174 | $45,772 | $58,228 | $71,445 | $100,797 |
| New Brunswick | $32,275 | $46,048 | $58,246 | $71,215 | $101,330 |
| Newfoundland and Labrador | $32,390 | $45,763 | $57,857 | $70,603 | $100,702 |
| Prince Edward Island | $32,152 | $45,447 | $57,335 | $69,789 | $98,973 |
| Quebec | $31,885 | $45,053 | $56,737 | $69,310 | $97,477 |
| Nova Scotia | $31,734 | $44,726 | $56,439 | $68,867 | $98,117 |
What the numbers show
- Nunavut keeps the most at every salary we tested. Its territorial rates are low and it has a large basic personal amount. At $100,000 a worker there keeps $76,654, compared with $68,867 in Nova Scotia.
- Nova Scotia, Quebec and Prince Edward Island are at the bottom throughout. Quebec’s figures include QPP, which has a higher rate than CPP, and QPIP, Quebec’s parental insurance premium, offset partly by the federal abatement for Quebec residents.
- The gap grows with income. At $40,000 the spread is $2,050; at $100,000 it is $7,787; at $150,000 it is $12,931. Basic personal amounts matter most at lower incomes; top bracket rates matter most at higher ones.
- Rankings shift by salary. Alberta is near the top at $40,000 and $150,000 but drops at $100,000, where British Columbia’s lower middle brackets give it the edge.
- Ontario sits in the middle. At $100,000, an Ontario worker pays $20,024 in income tax, $4,646 in CPP and $1,123 in EI, and keeps $74,206. Ontario’s surtax and Health Premium are included.
Marginal tax rates at $100,000 and $150,000
Your marginal rate is the combined federal and provincial income tax on your next dollar of salary. It’s what applies to a raise, a bonus or an RRSP deduction. Sorted from lowest to highest at $150,000.
| Province or territory | At $100,000 | At $150,000 |
|---|---|---|
| Nunavut | 27.5% | 35.0% |
| Alberta | 30.5% | 36.0% |
| Yukon | 29.5% | 36.9% |
| Northwest Territories | 29.1% | 38.2% |
| Saskatchewan | 33.0% | 38.5% |
| British Columbia | 28.2% | 40.7% |
| Newfoundland and Labrador | 36.3% | 41.8% |
| New Brunswick | 34.5% | 42.0% |
| Manitoba | 33.2% | 43.4% |
| Ontario | 31.5% | 43.4% |
| Nova Scotia | 38.0% | 43.5% |
| Prince Edward Island | 37.1% | 45.0% |
| Quebec | 36.1% | 47.5% |
A higher marginal rate also makes an RRSP contribution worth more: at 47.5%, each $1,000 contributed in Quebec at $150,000 saves about $475 in tax. For why a raise never lowers your take-home pay even when it pushes you into a higher bracket, see how Canadian tax brackets work.
How we calculated this
- One employee, salary only, a full year as a resident of that province or territory, 2026 rules.
- Basic personal amounts, the Canada employment amount, and CPP or QPP and EI credits are included. Ontario’s surtax, tax reduction and Health Premium, and Quebec’s abatement, QPP and QPIP are included.
- Refundable credits and benefits (such as the GST/HST credit and child benefits), other deductions and credits, workplace pensions and union dues are not.
- Figures come from the same engine as our Canadian Take-Home Pay Calculator, which is tested against hand-worked cases before every release. Its methodology explains each step.
Sources
- Canada Revenue Agency, Canadian income tax rates for individuals
- Canada Revenue Agency, CPP contribution rates, maximums and exemptions
- Employment and Social Development Canada and Revenu Québec, EI, QPP and QPIP rates for 2026
- Each province’s and territory’s 2026 budget and tax tables
Want your own number? Try the calculator or compare provinces at your salary.
These are estimates for planning, not tax advice. Your actual tax depends on your full return. How we check our figures is described in our editorial policy.