English
BC Take-Home Pay Calculator 2026 (CRA July Tables)
Job posts quote gross. Rent is paid from net. This uses the CRA T4032-BC tables in force from July 2026 — federal 14% first bracket, B.C. July prorate, CPP 5.95% to $74,600, CPP2 4% to $85,000, EI 1.63% to $68,900. It is not a $4.99 VIP feature and it will not invent a spring refund.
Optional: this year's room (does not invent a refund)
BC lowest statutory rate for 2026 is 5.60% after the 17 Feb 2026 change. Paycheques from July use a 6.14% prorated first bracket so the year withholds enough. This calculator matches the July table (what you see on a September 2026 stub). CRA source · CRA source.
- Rent listings we track — compare the monthly net to a real asking price.
- Jobs hub — same gross, different take-home if it is not T4.
- LMIA Job Bank radar — official TFW searches.
- Grocery flyers — the other weekly bill after rent.
FAQ
Is this my exact paycheque?
No. It is a simplified CRA-table estimate for a single T4 job in B.C. claiming the basic personal amounts. Union dues, RPP, overtime, and extra TD1 credits are not in here. The official tool is CRA's Payroll Deductions Online Calculator.
Why is the first B.C. rate 6.14% instead of 5.06%?
BC lowest statutory rate for 2026 is 5.60% after the 17 Feb 2026 change. Paycheques from July use a 6.14% prorated first bracket so the year withholds enough. This calculator matches the July table (what you see on a September 2026 stub).
Does maxing FHSA get me a $3,666 direct deposit?
No promised deposit. An $8,000 FHSA contribution lowers taxable income. The tax you do not pay this year is whatever your marginal rate makes of that $8,000 — shown as tax saved, not as a spring cheque.
What is the 2026 RRSP dollar limit?
Room is 18% of last year's earned income, capped at $33,810 for 2026, plus unused room. Confirm on your Notice of Assessment.
