Canada & USA · Pay planning
Read a paycheque, compare pay periods and understand the difference between retirement savings, withholding and spendable take-home pay.
Choose a salary calculator →Practical pay planning
Canada · Salary guide
Understand gross pay, federal and provincial tax, CPP/QPP and EI/QPIP, then compare a Canadian salary estimate with your actual pay stub.
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Photo: Randolph Croft · CC BY 2.0. Resized; cropped for display.
Canada · Salary guide
Compare 26 biweekly payments with 24 twice-monthly payments. Convert annual salary and net pay without mixing up payday amounts and monthly averages.
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Photo: Anonymous photographer · CC0. Resized; cropped for display.
USA · Salary guide
Read a US paycheck estimate with federal tax, state tax, Social Security and Medicare separated. Learn why actual withholding and take-home pay can differ.
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USA · Salary guide
Compare traditional pre-tax 401(k) contributions, Roth contributions and tax withholding. Use a clear example to understand paycheck cash flow.
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Photo: Merzperson · Public domain. Resized; cropped for display.
Canadian and US taxes, payroll contributions and currencies are different. Each guide links to its country’s salary and refund tools.