Payroll estimator
See what extra hours actually add to take-home pay.
Uses 2026 CRA payroll formulas for federal tax, Newfoundland and Labrador tax, CPP, CPP2, and EI, then calibrates the estimate to your current paycheque.
- Extra take-home
- $0
- After-tax / extra hr
- $0
- Marginal keep rate
- 0%
Results
18 extra hours / week
Salary-tax model
$0 vs current setupBonus estimate
Hourly view
Deduction stack
$0 totalScenarios
Extra-hours table
| Hrs / week | Gross / year | Take-home / year | Extra take-home | After-tax / hr |
|---|
Credit projection
Year-by-year take-home
Uses the salary-tax model with current income inputs repeated each year. Current-year tuition is added in year 1 only, transfers are applied in year 1, and remaining non-transferred amounts carry forward until used.
| Year | Gross income | Take-home | Credit value used | Federal tuition left | NL amount left |
|---|
Tax engine
Loaded assumptions
Tuition credit handling
- Federal yearly claim cap
- $0
- Federal amount used
- $0
- Federal transfer room
- $0
- Federal transfer applied
- $0
- Federal carry-forward
- $0
- NL yearly claim cap
- $0
- NL amount used
- $0
- NL transfer room
- $0
- NL transfer applied
- $0
- NL carry-forward
- $0
Tuition is modelled as a non-refundable claim amount: federal value at 14% and Newfoundland and Labrador value at 8.7%. Schedule 11 uses prior carry-forward first, then current-year amounts, limited by tax otherwise payable. Current-year transfer room is capped at $5,000 minus the current-year amount used on your own return; amounts already carried forward cannot later be transferred. File Schedule 11 and Schedule NL(S11) so CRA records the carry-forward. Exact withholding can still differ by TD1 claim codes, benefits, pension deductions, bonuses, year-to-date CPP/EI timing, and employer payroll settings. Bonus take-home is estimated by comparing annual tax with and without the current bonus; CRA payroll withholding may use regular or year-to-date bonus methods. Verify payroll with the CRA PDOC.