Canada guides

Canadian pay and tax guides

Practical explanations for Canadian payroll deductions, CPP and EI maximums, provincial tax, RRSPs and job decisions.

Payroll and tax

CPP, CPP2 and EI

Understand the main Canadian payroll deductions.

What is CPP2 in Canada?

Learn why the second CPP contribution appears.

CPP and EI maximums 2026

See why deductions stop or change later in the year.

Canadian tax brackets

Learn how federal and provincial tax work together.

Québec payroll deductions

Understand QPP, QPIP and Québec withholding.

Why paycheck estimates differ

See why a payslip can differ from an annual estimate.

Planning and home

RRSP versus TFSA

Compare two common registered-account concepts.

How bonus withholding works

Why a bonus payslip can look different.

Mortgage term vs amortization

Understand two important mortgage concepts.

How provinces affect take-home pay

See why the same salary can produce different results.

Borrowing and debt

Credit-card repayment planning

See how payments and interest affect the time needed to clear a balance.

Personal-loan repayment planning

Understand loan repayments, total interest and extra payments.