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. Provinces: Ontario, Alberta, British Columbia, Manitoba, Nova Scotia.
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 CRA's 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. It assumes a full-year household employee with basic TD1 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. 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.
Not supported: Québec runs its own provincial deductions (QPP, QPIP, provincial tax via Revenu Québec), which need their own verified formulas before we'll ship them.
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. 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.