Canadian Pay Stub Deduction Calculator
Enter the gross pay and province to see what CPP, EI, and income tax deductions should look like. Add the stated net pay to get an instant consistency verdict.
Used by Toronto leasing agents to catch pay stubs where the math doesn't add up.
Estimates based on 2025 CRA rates. Does not account for RRSP contributions, benefit premiums, union dues, or tax credits beyond the basic personal amount. For reference only.
Results will appear here
Enter the gross pay
Use the gross pay figure from the pay stub — before any deductions. Match the pay frequency exactly (weekly, bi-weekly, etc.).
Add the stated net pay
The net (take-home) amount on the stub. The tool compares it to the expected net based on real CRA deduction rates.
Read the verdict
If the net pay is significantly higher than what deductions should produce, the stub may have been altered. A large discrepancy is a signal to investigate further.
Common questions
What if the net pay is lower than expected?
Lower net pay usually means additional voluntary deductions — RRSP contributions, extended health benefits, a group insurance plan, or union dues. These are common and not a red flag on their own. Ask the applicant to explain what the additional line items are.
What if the net pay is higher than expected?
This is the flag to pay attention to. If someone's net pay is significantly higher than CRA deductions would produce at their stated gross, the deductions on the stub don't add up. This can happen when a pay stub is edited and the editor inflated the gross without adjusting the deductions accordingly. See our full pay stub verification guide.
How accurate are these estimates?
The calculator uses 2025 CRA rates for CPP, EI, and federal/provincial income tax, applied to annualized income. It does not account for RRSP deductions, tuition credits, disability amounts, or other credits that reduce taxable income. Treat results as a reasonable range, not an exact figure — a discrepancy of up to 8% is normal.
Does this tool check the pay stub itself?
No — this tool only checks the math between gross and net pay. For a full integrity check (PDF metadata, font consistency, YTD figure validation, cross-document correlation), that's what DocuVerify does.