You and your nanny agreed on take-home pay — but CRA remittances are based on gross. This tool works backwards: enter the agreed net wage and get the gross salary to put in the contract, your true employer cost, and exactly what to remit — to CRA, and in Québec to Revenu Québec too. Provinces: Ontario, Alberta, British Columbia, Manitoba, Nova Scotia, Quebec. For example: an agreed $800 every 2 weeks in Ontario in 2026 means $899.66 gross per pay, $23,391.20 a year for the contract, and a true employer cost of $25,108.52 a year (worked examples below).
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An agreed $800 biweekly take-home in Ontario means a gross of $899.66 per pay — $23,391.20 a year for the contract — and a true employer cost of $25,108.52 a year once your CPP match and 1.4× EI are added. The same agreed net costs a different gross in every province:
| Province | Gross per pay | Gross salary (contract) | Your total cost / year | Remit per pay |
|---|---|---|---|---|
| Ontario | $899.66 | $23,391.20 | $25,108.52 | $165.71 |
| Alberta | $876.23 | $22,782.09 | $24,449.26 | $140.36 |
| British Columbia | $876.23 | $22,782.09 | $24,449.26 | $140.36 |
| Manitoba | $909.01 | $23,634.22 | $25,371.55 | $175.83 |
| Nova Scotia | $920.44 | $23,931.56 | $25,693.35 | $188.21 |
| Quebec | $894.34 | $23,252.92 | $25,458.16 | $178.62* |
Computed for 2026 by the same verified engine as the calculator above (enter your own net, frequency and province there). Assumes a full-year employee, basic TD1 claims, regular wages. *Quebec's remit column combines the periodic amounts owed to CRA and Revenu Québec (for this example: $44.33 to CRA + $134.29 to Revenu Québec per pay); the annual labour-standards (CNT) contribution of $13.95 is included in the cost column but remitted separately with the RL-1 summary. Estimates only — see the disclaimer below.
If the contract says “$800 take-home,” you silently absorb every future increase in CPP, EI, or income tax — the gross creeps up each year while the net stays fixed, and you may also be on the hook for grossing up retroactively if CRA reassesses. Agree on net if you must, but write the gross figure this calculator gives you into the contract and let take-home float with the published rates.
The result covers the amounts computed by the published payroll deduction formulas: federal and provincial income tax withholding, CPP (base and CPP2) and EI — the employee side withheld from pay, plus your matching employer CPP and 1.4× employer EI. In Québec the same views use Revenu Québec's formulas instead: QPP (base and QPP2), QPIP, EI at the Québec reduced rate, federal tax after the 16.5% abatement, plus your employer QPIP, the health services fund and the labour-standards (CNT) contribution. It assumes a full-year household employee with basic TD1 (and, in Québec, TP-1015.3-V) claims, paid regular wages.
It deliberately excludes costs that have no single published formula, and says so rather than guessing:
Once you register a payroll account, you withhold the employee amounts each payday and send them to CRA together with your employer portions. Per CRA's When to remit page: a new employer whose monthly withholding is under $1,000 and who keeps a perfect compliance record remits quarterly (due April 15, July 15, October 15 and January 15) — most nanny payrolls qualify. It doesn't stop after the first year: an existing employer whose payroll account has been open at least 12 months stays eligible for quarterly remitting while average monthly withholding (assessed from the calendar year before the previous one) is under $3,000 with a perfect compliance record — CRA notifies employers who qualify in writing. Otherwise a regular remitter (average monthly withholding under $25,000) remits monthly, by the 15th of the following month. If a due date lands on a weekend or holiday, the next business day counts as on time. Late remittances draw penalties of 3–10% (20% for repeat gross negligence), so put the dates in your calendar.
The number this tool shows under “what you remit to CRA” is the combined amount for each pay period; multiply by the pay periods in your remitting period when you file.
If you're offering a gross wage and want your true cost and the remittance from that side, use the first-employee true-cost calculator — same engine, forward direction.
Québec payroll is supported — and it works differently. QPP replaces CPP, QPIP premiums apply on top, EI runs at Québec's reduced employee rate, and the federal tax withheld is reduced by the 16.5% Québec abatement. You also remit in two places, and the amounts must not be blended:
A Québec household employer therefore needs both registrations: per Revenu Québec's registration page, you register for source deductions with Revenu Québec (Register a New Business service or form LM-1-V) and contact CRA to open a payroll program account. You may also have to register with the CNESST — its insurance premium varies by classification and is not included here.
All amounts are computed by an open, deterministic engine implementing CRA's T4127 Payroll Deductions Formulas, 123rd edition (effective July 1, 2026) and 122nd edition (January 1, 2026), with rates and constants transcribed from CRA's published pages — never from an AI model's memory. The engine is cross-checked against CRA's own Payroll Deductions Online Calculator (PDOC) and the T4032 deduction tables to the cent before any province ships. Quebec is computed from Revenu Québec's TP-1015.F-V Formulas to Calculate Source Deductions and Contributions (2026-01 version) plus the T4127 Québec variant (K2Q, F5Q, 16.5% abatement), cross-checked against Revenu Québec's own WebRAS calculator. The net→gross inversion is a pure search over that engine, so its answers inherit the same verification. Annual planning math is shown; payroll software running per-period formulas with year-to-date caps may differ by cents.