← CanPay Insights

Research note · figures as of October 9, 2026

What people do with a pay number

CanPay Insights is a free Canadian take-home pay calculator. Between August 7, 2026 and October 9, 2026 it recorded 6,509 anonymous calculations across 1,871 visits. It never learns what anyone earns — income is kept only as one of seven ranges — but it does see something no wage survey records: how people use a pay figure once they have one.

Read this first. These are people who went looking for a pay calculator, not a sample of Canadians: 66% of the calculations sit below the median wage for the province chosen. Every figure on this page is a share of calculator use. None of it is a statement about what Canadians earn or how many Canadians do anything.

1 · Pricing the raise

63%

of visitors who changed the income ended on a higher figure than they started with.

75% of visits run more than one calculation, and 71% of those change the income between runs. Among the 798 visits that ended in a different income range from the one they began in, 506 ended higher and 292 ended lower. People are mostly not modelling a pay cut. They are pricing the raise, the offer or the extra hours in front of them.

How this was tested. One visitor trying twenty figures should not count twenty times, so the headline gives each visit a single vote: where it ended against where it began. Counting every individual change instead gives 59% (1,278 up, 903 down). The form opens on a $20 hourly wage, so a visitor who picks a province before typing their own wage records that default first; ignoring each visit’s first change gives 55% (798 up, 640 down). The direction holds under all three counts. Income is stored in seven ranges, so a change that stays inside one range is invisible here.

63% of visitors who changed the income ended on a higher figure
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2 · When shifts start

13%

of the shifts people typed in start before 7 a.m.

Hourly workers enter the shift they actually work. Of 3,109 schedules that visitors changed from the form’s default, 13% start before 7 a.m. and 8% start between 6 p.m. and 6 a.m. Statistics Canada reports how many hours people work; we know of no public Canadian dataset of the hour a shift begins.

How this was tested. The form opens on a 9-to-5 with a 30-minute break. 1,699 of the 4,808 shift calculations carry exactly that schedule, and a real nine-to-five cannot be told apart from a schedule nobody touched. Those rows are therefore left out above, which removes genuine nine-to-fives too — so read the figures as the spread of start times among people who adjusted their schedule. Keeping every row instead gives a floor: at least 46% of all shift calculations do not start at 9 a.m., and at least 5% start between 6 p.m. and 6 a.m.

Start hour of 3,109 shift schedules entered into the calculator
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3 · Weighing a move

11%

of visits price the same pay in two or more provinces in one sitting.

209 of 1,871 visits calculated take-home pay for more than one province. Interprovincial migration appears in official statistics after the move has happened. This is what it looks like while someone is still deciding.

How this was tested. A visit counts when two or more different provinces appear in its calculations. Some of those visitors are curious rather than moving, and some are correcting a wrong first choice, so this is an upper reading of intent to relocate, not a count of movers.

11% of visits compare pay in two or more provinces
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4 · In which language

17%

worked out their Canadian pay in a language other than English.

16% of all the calculations were done in Chinese. The calculator offers ten languages, and the rest of the traffic spreads thinly across French, Korean, Spanish, Punjabi, Hindi, Tagalog, Ukrainian and Vietnamese. Working out what a job pays after tax is one of the first things anyone does on arriving in Canada, and a good deal of it is not happening in English or French.

How this was tested. This is the language the page was displayed in: either one the visitor chose from the menu, or the language their phone or computer is set to. Unlike the shift and income figures it involves no form default — a device language is a real setting either way. It is not a measure of what anyone speaks at home or how well they read English; a bilingual person may simply prefer their own language for a page full of numbers. Thinly-served languages will also be understated, because a language nobody knows the calculator offers is a language nobody arrives in.

Interface language of 6,509 calculations
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5 · The weekend

28%

of the work schedules people typed in include a Saturday or a Sunday.

Of 4,808 schedules entered by hourly workers, 28% cover at least one weekend day. Taken with the start times above, the picture is of a calculator being used mostly by people whose week is not the standard one.

How this was tested. The form opens on Monday to Friday with both weekend days switched off, so a weekend day is only ever present because somebody switched it on. That makes this figure a floor and never an inflated one — the opposite of the trap in finding 2, where the default worked the other way. Anyone who works weekends but left the days alone is counted here as not working them.

Checking this

Where the numbers come from, and whether they hold

The 6,509 calculations arrived across 60 days without a gap, from August 7, 2026 onward — between a few dozen and 190 a day. 93% came from inside Canada. The busiest provinces are Ontario (4,020), Alberta (786), British Columbia (682), Quebec (270).

Daily calculations across 60 days
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Have the figures moved as the sample grew?

The page writes down what it said the first time it was opened each day, and never edits those rows; the figures at the top are live. A figure that stays put while the sample grows was not a lucky week — and if you quoted this page on a particular day, that day's row is here from the next day on.

DateCalculationsEnded higherStart before 7 a.m.Two provinces
2026-09-184,31762%13%11%
2026-09-204,62463%13%11%
2026-09-224,84363%14%11%
2026-09-234,96964%13%11%
2026-09-245,10264%13%11%
2026-09-255,21064%13%11%
2026-09-265,33064%13%11%
2026-09-275,40864%13%11%
2026-09-285,45964%13%11%
2026-09-295,59064%13%11%
2026-09-305,68164%13%11%
2026-10-015,75664%13%11%
2026-10-025,87264%13%11%
2026-10-035,91964%13%11%
2026-10-045,96664%13%11%
2026-10-056,03963%13%11%
2026-10-066,17264%13%11%
2026-10-076,28563%13%11%
2026-10-086,37963%13%11%

Every number on this page, as a file

The page and its charts are rendered from one object, and that object is served as JSON at the link below. It holds the counts behind every percentage — including the rows that were left out and why — so the arithmetic can be checked without asking us for anything.

Download the figures (JSON)

Method

  • Source. Calculations made on canpayinsights.ca and in the CanPay Insights iPhone app, August 7, 2026 to October 9, 2026. Calculations made by the site’s owner or in testing are excluded.
  • What is recorded. The province, one of seven income ranges, the kind of calculation and, for hourly workers, the shift. No name, account, exact income, IP address or device fingerprint. A “visit” is a random identifier held in the page’s memory and gone when the page is closed or reloaded; it cannot link one day to the next, or one device to another. Details are in the privacy policy.
  • What is not recorded. A calculator opened and left on its default values sends nothing, so the defaults do not count as calculations.
  • This page keeps itself current. The figures are recomputed from the record at most once an hour, so they move as the sample grows. What each figure was on any given day stays in the table above, which is where a citation should point.
  • The tax engine behind the calculator is compared with the CRA’s payroll deduction tables before every release. That concerns the pay figures visitors see, not the usage figures on this page.

Citing and reusing

The text, figures and charts on this page are free to quote and republish with credit (CC BY 4.0). Please describe the source as “people who used the CanPay Insights pay calculator”.

CanPay Insights, What people do with a pay number, 6,509 anonymous calculations, figures as of October 9, 2026. https://canpayinsights.ca/research/pay-calculator-behaviour

Journalists and researchers: if a cut by province or income range would help, write to info@canpayinsights.ca. Any figure we send has at least twenty visits behind it. The coarse open files are on the data page.