Compare a job offer by take-home pay

A worked example

A bigger salary and a bigger bank deposit are different questions. This fictional comparison starts at $62,000 in Ontario and separates the effects of a 5% RRSP contribution and a $68,000 job offer. At the starting salary, the contribution changes a biweekly cheque from $1,870.26 to $1,785.85: $84.41 less take-home while putting $119.23 into the contribution.

Fictional amounts, not someone’s financial information. Opening the example recalculates it using current rules. The result shows its assumptions and source dates.

Open the example and enter my numbers →

Result: Annual and per-cheque cash differences. You can edit, compare, or print the worksheet without signing in.

How to use the worksheet

1. Enter the province where payroll tax applies, gross salary and pay frequency. Compare the same year and pay frequency when using per-cheque differences.

2. Add an option and change only salary, province or contribution. The table shows annual net pay, first-cheque cash, contributions and assumptions. A larger contribution is not a loss of the whole amount.

3. Use the annual difference alongside commuting, childcare, benefits, employer match and working hours. Those costs are not included in a payroll-only comparison.

Start with the facts you know. A missing date, jurisdiction or expense can change the result. Keep estimates labelled as estimates, and use the source link to check the rule before making a decision. If a figure seems wrong, use the support page to describe the issue with fictional amounts.

Use it in your assistant

If NotchUp Pay Rules Canada is enabled in your ChatGPT or Claude account, try this prompt:

Compare $62,000 in Ontario, paid biweekly, with no RRSP, a 5% RRSP, and a $68,000 offer with 5% RRSP. Show take-home differences.

Availability depends on your account and the host’s plugin directory. This page does not imply marketplace approval. The web worksheet above works immediately, even without a connected assistant.

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Share this public example to help a colleague or family member try the method. It contains only the fictional numbers printed above. Your edited calculation is private to its link: anyone you send that separate link to can read its inputs. Review them before sharing. The result page offers a print-ready worksheet with sources, assumptions and inputs.

Sources and next steps

CRA T4127 payroll deduction formulas. Example checked October 24, 2026. The calculator shows the verification date for each bundled rule. Informational estimates, not legal, payroll or tax advice.

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Try another question

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