Earning $75,000 in Alberta puts $56,364 in your pocket annually, or $4,697 per month.

At $75,000, you’ll hit both the EI and base CPP caps before year-end. You may see a final boost in your last paycheque since $75,000 sits just above the $74,600 CPP base cap.

Calculate your net pay using the Alberta take-home pay calculator.

What You Actually Keep at $75,000

At $75,000 in Alberta, you will keep around $748 more than you’d keep in Ontario.

Here’s the breakdown:

• Gross salary: $75,000
• Federal tax: $9,268
• Alberta provincial tax: $4,000
• CPP: $4,246
• EI: $1,124

How Alberta Tax Works at This Income

At $75,000, you’re firmly in the second federal bracket and straddling Alberta’s first two provincial tiers. The structure is still relatively simple compared to provinces with health premiums or surtaxes.

Federal Tax:

You’re taxed at 14% on the first $58,523, then 20.5% on the remaining $16,477. After the federal basic personal amount ($16,452) is deducted, your effective federal rate is approximately 12.4%.

Alberta Provincial Tax:

Your income crosses two brackets:

• 8% on the first $61,200
• 10% on income from $61,200 to $75,000

Only $13,800 of your salary falls into the second bracket, keeping the incremental impact relatively low. After Alberta’s basic personal amount of $22,769 is applied, your effective provincial rate is around 5.3%.

Why Alberta Still Saves You Money:

• No health premium: Ontario charges $750 at this income. Alberta charges nothing.
• No surtax: Ontario layers a 20% surtax on provincial tax exceeding $5,315. Alberta doesn’t stack charges.
• Higher basic exemption: Alberta’s $22,769 BPA shelters significantly more income than Ontario’s $12,989.

CPP and EI:

This is where things get interesting at $75,000. You’re earning just above the CPP base maximum ($74,600), which means you’ll max out your base CPP contributions close to the end of the year — likely in your final paycheque or late November.

EI caps out earlier. The maximum contribution is $1,124, which you’ll hit around October or November depending on your pay schedule. Once EI stops, you’ll see a bump in take-home for the remaining pay periods.

Since you’re slightly above $74,600, you’ll also contribute a small amount to CPP2 (4% on earnings between $74,600 and $75,000) — but only on that $400 difference.

When Your Alberta Paycheque Increases

At $75,000, you can expect two distinct shifts in your paycheque during the year.

In January, both CPP and EI reset. If you maxed them out last year, they restart with your first paycheque.

The first increase happens around October or November when you hit the EI maximum contribution ($1,124). Once EI stops, the 1.63% deduction disappears, giving you roughly $100 more per pay period for the rest of the year.

The second increase happens near the end of the year when CPP reaches its maximum. Since $75,000 is just $400 above the base CPP cap ($74,600), you’ll contribute nearly the full year before maxing out. Expect CPP to stop in late November or with your final December paycheque.

Because you’re just slightly over the threshold, the CPP increase won’t be as dramatic as it is for higher earners. You’ll see a modest boost — likely $150-$200 per pay period — once base CPP stops. CPP2 will continue on that small $400 slice above $74,600, but the deduction is minimal.

Your final paycheques of the year will definitely be higher than earlier months, but the lift is more gradual compared to someone earning $85,000 or $100,000, where both deductions stop earlier and more definitively.

How $75,000 Compares: Moving Up and Down

Jumping from $65,000 to $75,000:

A $10,000 raise from $65,000 nets you an additional $6,300 annually, meaning you’re keeping about 63% of the increase.

The retention rate dips slightly because you’re climbing deeper into the second federal bracket (20.5% marginal rate), and you’re now hitting both CPP and EI caps. While those caps eventually stop and boost your later paycheques, the overall tax and deduction burden is higher compared to lower salary ranges.

Moving from $75,000 to $85,000:

Stepping up to $85,000 adds $6,550 to your annual take-home, giving you a 65% retention rate on that $10,000 raise.

Interestingly, retention improves slightly at this level. Why? Because at $85,000, you max out both EI and CPP earlier in the year, and a larger portion of your raise benefits from those caps being hit sooner. You’re also still in the second federal bracket, so the marginal rate stays consistent.

FAQs

When exactly will EI deductions stop?

EI stops once you’ve contributed the annual maximum of $1,124. For someone earning $75,000 paid biweekly, that typically happens in October or November. Employees on a semi-monthly schedule may hit it slightly later. Once it stops, you’ll take home about $100 more per pay period for the rest of the year.

Does CPP stop at the same time as EI?

No, at $75,000, you’re just $400 above the CPP base cap ($74,600), so CPP runs almost the entire year before maxing out. Expect it to stop in late November or with your final December paycheque. EI stops earlier, around October or November.

What is CPP2, and does it affect me at this salary?

CPP2 is an additional 4% contribution on earnings between $74,600 and $85,000. At $75,000, you’re only $400 above the threshold, so your CPP2 contribution is minimal — about $16 for the year. It’s barely noticeable compared to base CPP.