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Here's a real paycheque. Check every number.

Bi-weekly pay, one Ontario glazier. Tap any deduction to see the exact CRA T4127 formula with this worker's numbers in it.

T. Nguyen — Glazier
Pay period Jun 1–14, 2026
Paid Jun 19, 2026 · Ontario

Earnings

80.00 hrs × $32.00/hr $2,560.00
Gross pay $2,560.00

Deductions — tap to trace

Canada Pension Plan: 5.95% of pensionable earnings after the per-period basic exemption.

0.0595 × ($2,560.00 − $134.61) = $144.31

CRA T4127 (122nd ed., Jan 1 2026): rate 5.95%; basic exemption $3,500/yr ÷ 26 pay periods = $134.61; YMPE $74,600; annual max $4,230.45.

Employment Insurance: $1.63 per $100 of insurable earnings.

0.0163 × $2,560.00 = $41.73

CRA T4127 (2026): employee rate 1.63%; maximum insurable earnings $68,900; annual max $1,123.07. Employer pays 1.4× = $58.42.

Federal income tax, annualized then divided by 26 pay periods. Lowest 2026 rate is 14%.

[14% × annual taxable income] − personal-amount & CPP/EI credits, ÷ 26 = $262.28

CRA T4127 Option 1, factor T3: 2026 lowest rate 14% (bracket to $58,523); federal basic personal amount $16,452; claim code 1.

Ontario income tax, annualized then divided by 26 pay periods. First bracket is 5.05%.

[5.05%/9.15% on annual income] − Ontario credits, ÷ 26 = $113.64

CRA T4127 factor T4: 2026 Ontario brackets 5.05% (to $53,891) / 9.15% (to $107,785); Ontario basic personal amount $12,989; no surtax at this income.

Net pay $1,998.04
Verified against CRA T4127, 122nd edition (effective Jan 1, 2026).

Sample figures. CPP ($144.31) and EI ($41.73) match CRA's Payroll Deductions Online Calculator exactly for a bi-weekly, claim-code-1 employee. Federal ($262.28) and Ontario ($113.64) tax lines are T4127-formula reconstructions; CRA's PDOC additionally applies the enhanced-CPP income deduction and the Ontario Health Premium where they apply. The live product computes every figure from current CRA tables — not hard-coded demo constants.

Job 24-118 — Maple Ave storefront glazing

Same period. What this worker's 80 hours actually cost you, tied to the job they worked on.

Base wages (80 hrs × $32.00) $2,560.00
Employer CPP (5.95%) $144.31
Employer EI (1.4× employee rate) $58.42
WSIB — G6 non-residential construction ($1.61/$100) $41.22
Vacation pay accrual (4%) $102.40
Employer Health Tax exempt
Fully burdened labour cost $2,906.35

~13.5% above base wages. WSIB rate is the 2026 class rate for G6 non-residential construction ($1.61/$100, Ontario WSIB); rates vary by employer experience and rate group — this is illustrative. EHT shown as exempt under Ontario's $1,000,000 payroll exemption (permanent through 2028). Every line traces to the same hours on the Paystub tab.

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