What a $100,000 salary takes home in every province, 2026
On a $100,000 salary, Nunavut takes home $76,654 in 2026 and Nova Scotia takes home $68,867, a gap of $7,787 a year. This table ranks every province and territory at five salaries, using the 2026 federal and provincial brackets, CPP and EI, with the basic personal amounts and the employment credits.
What the numbers show
- At $100,000, the gap between the best and worst province is $7,787 a year: Nunavut $76,654, Nova Scotia $68,867.
- Ontario, where most of the searches for this come from, keeps $74,206 of $100,000, an average deduction of 25.8%. Alberta keeps $74,459 and Quebec $69,585.
- Nunavut keeps the most at every salary from $50,000 to $200,000. The bottom spot moves from Nova Scotia at $50,000 to Quebec at $200,000, because low-income credits and top-bracket rates pull in different directions.
- Quebec's gap is smaller than its tax rates suggest, because Quebec residents get a 16.5% abatement of federal tax and pay lower EI, offset by QPIP.
- Every figure is a single person with no other deductions or credits, paid a salary through payroll. A workplace pension, union dues or RRSP contributions change the net.
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Ranked at $100,000
| Rank | Province or territory | Take-home pay | Income tax | CPP and EI | Kept |
|---|---|---|---|---|---|
| 1 | Nunavut | $76,654 | $17,577 | $5,770 | 76.7% |
| 2 | British Columbia | $75,373 | $18,857 | $5,770 | 75.4% |
| 3 | Northwest Territories | $75,204 | $19,026 | $5,770 | 75.2% |
| 4 | Yukon | $74,998 | $19,232 | $5,770 | 75.0% |
| 5 | Alberta | $74,459 | $19,772 | $5,770 | 74.5% |
| 6 | Ontario | $74,206 | $20,024 | $5,770 | 74.2% |
| 7 | Saskatchewan | $72,288 | $21,943 | $5,770 | 72.3% |
| 8 | Manitoba | $71,445 | $22,786 | $5,770 | 71.4% |
| 9 | New Brunswick | $71,215 | $23,016 | $5,770 | 71.2% |
| 10 | Newfoundland and Labrador | $70,603 | $23,628 | $5,770 | 70.6% |
| 11 | Prince Edward Island | $69,789 | $24,441 | $5,770 | 69.8% |
| 12 | Quebec | $69,585 | $24,194 | $6,221 | 69.6% |
| 13 | Nova Scotia | $68,867 | $25,363 | $5,770 | 68.9% |
Every province at five salaries
Take-home pay for the year. Each cell links to that salary's own page with the full breakdown.
| Province or territory | $50,000 | $75,000 | $100,000 | $150,000 | $200,000 |
|---|---|---|---|---|---|
| Alberta | $40,541 | $57,362 | $74,459 | $107,458 | $137,854 |
| British Columbia | $40,574 | $57,711 | $75,373 | $107,377 | $136,274 |
| Manitoba | $39,075 | $55,024 | $71,445 | $100,797 | $128,522 |
| New Brunswick | $39,354 | $55,102 | $71,215 | $101,330 | $129,580 |
| Newfoundland and Labrador | $39,252 | $54,737 | $70,603 | $100,702 | $128,441 |
| Nova Scotia | $38,260 | $53,423 | $68,867 | $98,117 | $124,331 |
| Northwest Territories | $40,768 | $57,763 | $75,204 | $107,361 | $137,196 |
| Nunavut | $41,363 | $58,819 | $76,654 | $110,408 | $141,898 |
| Ontario | $40,145 | $56,926 | $74,206 | $104,320 | $131,278 |
| Prince Edward Island | $38,829 | $54,316 | $69,789 | $98,973 | $125,898 |
| Quebec | $38,824 | $53,965 | $69,585 | $97,850 | $123,641 |
| Saskatchewan | $39,699 | $55,806 | $72,288 | $104,037 | $133,352 |
| Yukon | $40,611 | $57,655 | $74,998 | $107,893 | $138,514 |
Average deduction rate at each salary
Income tax, CPP and EI as a share of salary. This is the average rate, not the marginal rate on the next dollar.
| Province or territory | $50,000 | $75,000 | $100,000 | $150,000 | $200,000 |
|---|---|---|---|---|---|
| Alberta | 18.9% | 23.5% | 25.5% | 28.4% | 31.1% |
| British Columbia | 18.9% | 23.1% | 24.6% | 28.4% | 31.9% |
| Manitoba | 21.9% | 26.6% | 28.6% | 32.8% | 35.7% |
| New Brunswick | 21.3% | 26.5% | 28.8% | 32.4% | 35.2% |
| Newfoundland and Labrador | 21.5% | 27.0% | 29.4% | 32.9% | 35.8% |
| Nova Scotia | 23.5% | 28.8% | 31.1% | 34.6% | 37.8% |
| Northwest Territories | 18.5% | 23.0% | 24.8% | 28.4% | 31.4% |
| Nunavut | 17.3% | 21.6% | 23.3% | 26.4% | 29.1% |
| Ontario | 19.7% | 24.1% | 25.8% | 30.5% | 34.4% |
| Prince Edward Island | 22.3% | 27.6% | 30.2% | 34.0% | 37.1% |
| Quebec | 22.4% | 28.0% | 30.4% | 34.8% | 38.2% |
| Saskatchewan | 20.6% | 25.6% | 27.7% | 30.6% | 33.3% |
| Yukon | 18.8% | 23.1% | 25.0% | 28.1% | 30.7% |
How this was calculated
Each cell runs the 2026 payroll calculation for a single person with only the basic personal amount and the employment credits: federal tax on the federal brackets, provincial tax on the province's brackets with its surtaxes and health premiums where they exist, CPP or QPP up to the year's maximum, and EI or the Quebec EI rate plus QPIP. The take-home pay calculator uses the same engine and shows the line-by-line working for any salary. The tax brackets page has every province's table.
Common questions
- Which province has the highest take-home pay?
- At $100,000 in 2026, Nunavut, with $76,654 after tax, CPP and EI. At $50,000 it is Nunavut and at $200,000 it is Nunavut, so the answer depends on the salary.
- Which province has the lowest take-home pay?
- Nova Scotia at $100,000, keeping $68,867. Its provincial brackets and credits are the reason; see the province page for the full table.
- What is deducted to get from salary to take-home pay?
- Federal income tax, provincial income tax, CPP (QPP in Quebec) and EI (plus QPIP in Quebec). The basic personal amounts and the employment credits are applied. Nothing else is assumed: no pension, union dues, benefits or RRSP.
- Does moving to a lower-tax province really save this much?
- On paper, yes. In practice the gap is often smaller than the difference in housing costs, and a province with lower income tax may have higher sales tax or property tax. The $7,787 gap at $100,000 is about $649 a month.
- Can I see my own salary?
- Yes. The take-home pay calculator does any salary in any province, hourly or yearly, with pension and RRSP deductions. There is also a page for each salary and province combination in this table.
How to cite this
GlassLayer, "What a $100,000 salary takes home in every province, 2026", 2026, https://glasslayer.ca/data/take-home-pay-by-province-2026. Figures from the primary sources listed below, compiled and verified . Reuse is free with a link back.
Sources
Sources
Every figure on this page comes from one of these primary sources. Data last verified .
- CRA T4127 Payroll Deductions Formulas, 123rd Edition, effective July 1, 2026 (Rev. 26/06)
- CRA – CPP contribution rates, maximums and exemptions
- CRA – Second additional CPP (CPP2) contribution rates and maximums
- ESDC – EI maternity and parental benefits: how much you could receive
- CRA – EI premium rates and maximums
- CRA – Indexation adjustment for personal income tax and benefit amounts
- Income Tax Act, R.S.C. 1985, c. 1 (5th Supp.), s. 150(1)(d) and s. 156.1(4): filing deadlines and balance-due day
- Canada Employment Insurance Commission – Canada Employment Insurance Commission confirms 2027 Employment Insurance premium rate (September 14, 2026)
- CRA, Canadian income tax rates for individuals, current and previous years
- Government of Alberta, Personal income tax
- Government of British Columbia, Personal income tax rates (2026)
- Government of British Columbia, B.C. tax reduction credit
- Manitoba Finance, Personal income taxes
- CRA, T4032 Payroll Deductions Tables, New Brunswick (January 2026)
- Government of New Brunswick, Personal income tax
- Newfoundland and Labrador Department of Finance, Personal income tax
- Newfoundland and Labrador, Bill 16 (2026), An Act to Amend the Income Tax Act, 2000
- Nova Scotia Finance and Treasury Board, Personal income tax indexation update for 2026
- Nova Scotia Income Tax Act (consolidated), s. 35 low income tax reduction
- CRA, T4032 Payroll Deductions Tables, Northwest Territories (January 2026)
- Government of Nunavut, January 2026 Tax Rate Sheet
- CRA, T4032 Payroll Deductions Tables, Nunavut (January 2026)
- Ontario Ministry of Finance, Personal income tax rates and credits (2026 dataset)
- Prince Edward Island Income Tax Act (consolidated 2026)
- Revenu Québec, TP-1015.F-V (2026-01) Formulas to Calculate Source Deductions and Contributions
- Retraite Québec, Québec Pension Plan Figures 2026
- Gouvernement du Québec (Québec.ca), Taux de cotisations au Régime québécois d'assurance parentale (RQAP) — page updated 19 March 2026
- Ministère des Finances du Québec, Parameters of the Personal Income Tax System for 2026 (November 2025)
- Government of Saskatchewan, Personal income tax
- CRA, T4032 Payroll Deductions Tables, Yukon (January 2026)
Data verified . Every figure is generated from the same data files that power the calculators, so this page updates when they do.