2026 North American Salary & Tax Calculator
Accurately estimate federal income tax, state/provincial taxes, FICA/CPP/EI payroll contributions, and region-specific levies. Fully client-side — your data never leaves your browser.
Calculator Inputs
★ = States/provinces with specific payroll levies configurable below
Ontario — Provincial Levies
Estimated Take-Home Pay
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Deductions Breakdown
Gross Income Allocation
Frequently Asked Questions
Which states have additional payroll levies?
Several states impose employee-paid payroll taxes beyond FICA. These include California (SDI, 1.1% uncapped), Washington (WA Cares LTC 0.58% + PFML 0.74%), New Jersey (FLI/TDI ~0.45%), Massachusetts (PFML 0.46%), Colorado (FAMLI 0.45%), and Oregon (Transit Tax 0.1% + Paid Leave 0.6%). Select these states in the calculator to see their specific levies with individual toggle checkboxes.
What are pre-tax retirement plans (401k / RRSP)?
Pre-tax contributions reduce your taxable income before income taxes are calculated. The 2026 US 401(k) base limit is $24,000, while the Canadian RRSP limit is 18% of earned income up to $32,490.
How does Quebec QPP and QPIP work?
Quebec manages its own pension (QPP at 6.4% vs. CPP at 5.95%) and parental leave (QPIP at 0.494% up to $97,000). In exchange, Quebec residents pay a lower Employment Insurance rate of 1.25% vs. the standard 1.66%.
What is the Ontario Health Premium?
Ontario residents pay a progressive health premium up to $900/year based on taxable income, separate from provincial income tax. It starts at incomes above $20,000 and reaches its maximum at $200,000+.
Marcus Chen leads editorial verification for swiftutillity.com, responsible for sourcing, cross-checking, and maintaining all financial data used across the tax, mortgage, and payroll calculators. Before joining swiftutillity, Marcus spent eight years as a financial analyst verifying government tax publications and building decision-support tools for personal finance at a North American fintech firm. He specializes in translating complex IRS and CRA regulatory changes into accurate, consumer-facing calculations. Marcus holds a B.S. in Finance from the University of British Columbia and completed the CFA® Program (passed all three levels). He is not a licensed CPA, tax attorney, or financial advisor.
Every calculator on swiftutillity.com is reviewed against primary government sources (IRS, CRA, state Departments of Revenue) at least annually. See our methodology page for detailed source citations.