Permanent Employee Financial Profile Calculator
Get an instant financial health score from your salary — savings rate, RRSP/TFSA usage and insurance cover, benchmarked by income and province.
Estimated net annual income
$46,843
Gross salary$60,000
Income tax$8,817
CPP (Canada Pension Plan — employee)$3,362
CPP (employer)$3,362
EI (Employment Insurance — employee)$978
EI (employer, 1.4x employee rate)$1,369
Total deductions$13,157
Effective tax rate21.9%
A quick financial health check built around your take-home pay
A quick financial health check starting from your real after-tax income, not gross salary, gives a more honest read on your savings rate, RRSP and TFSA usage, and whether your insurance coverage matches your actual take-home pay and dependants.
What this profile checks
- Your savings rate against real 2026 take-home pay, after federal and provincial tax, CPP and CPP2
- RRSP and TFSA contribution room used versus available
- Insurance coverage relative to income and any group benefits already provided through your employer
- A benchmark against typical savings guidance for your income level and province
