Paycheck analyzer & reverse tax calculator.
Paste a paystub. See if the deductions add up. For employees who think something's off and want to look. Canada 2026 rates.
Your Pay Details
What landed in your bank
Federal + Provincial tax from stub
From Your Pay Stub
Enter the deductions shown on your pay stub for accurate analysis.
Important: This tool estimates payroll withholding based on CRA formulas. Payroll withholding is not the same as final tax owing — your actual tax is settled when you file your annual return. This is not tax, legal, or accounting advice. Always consult a qualified tax professional.
Understanding Your Canadian Pay Stub
What is a Reverse Tax Calculator?
A reverse tax calculator works backwards from your take-home pay to determine your gross pay and show exactly how much was deducted for CPP, EI, federal and provincial income tax. It helps you understand whether your employer's withholding matches what CRA formulas say it should be.
Why Does My Paycheck Seem Low?
Common reasons include: your TD1 personal tax credit claim is lower than it should be, your employer is withholding conservatively, you received overtime or a bonus that was taxed at a higher rate, or your CPP/EI contributions haven't maxed out yet for the year. This tool helps you identify which factor applies to you.
Marginal vs Average Tax Rate
Your marginal rate is the tax on your next dollar earned — it's determined by your current tax bracket. Your average (effective) rate is your total tax divided by total income. Moving to a higher bracket does NOT mean all your income is taxed at the higher rate — only the portion above the bracket threshold.
What is the TD1 Form?
The TD1 (Personal Tax Credits Return) tells your employer how much to reduce your tax withholding based on credits you're entitled to. The Basic Personal Amount (BPA) means you don't pay tax on the first ~$16,452 of income. If you have a second job, you should claim $0 on your second TD1 to avoid owing at tax time.
Over-Withheld vs Over-Taxed
Being "over-withheld" means your employer deducted more tax per paycheque than necessary. This doesn't mean you're over-taxed — you'll get the difference back as a refund when you file your tax return. However, it does mean less money in your pocket throughout the year.
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