United States · Maine · 2025
Maine is pre-selected below; you can switch states anytime. U.S. payroll estimate includes federal income tax (after modeled §24 credits), Social Security and Medicare, and state income tax assumptions. Bonus and RSU use supplemental-withholding style proxies.
Auto currently picks: Standard deduction ($15,750.00 deduction).
Simplified IRC §24: MAGI = wages here; full Schedule 8812 / ACTC not modelled. Assumes qualifying child and SSN rules met.
Net (annual, all in)
+CA$101,576.36
Employment base pay take-home (salary only)
+CA$83,801.16
After Social Security, Medicare, and income tax.
Employment income
Income tax (federal + US-ME)
Social Security (employee)
Medicare (employee)
Regular paycheque
+CA$3,223.12
Bonus cheque (est.)
+CA$8,887.60
RSU vesting value (est.)
+CA$9,928.00
Paycheque progression (salary only)
Social Security stops after pay 26 · Medicare continues all year.
Jan
Jun
Dec
True tax vs withheld · filing season
True income tax (modelled year-end)
CA$24,019.64
Est. Tax withheld
CA$24,019.64
Roughly balanced CA$0.00
True tax is year-end liability including your payroll RRSP deduction (line 20800 style) and FHSA deduction (line 20805 style). Employer RRSP deposits are not added separately—common payroll nets the taxable benefit with an offsetting RRSP deduction on the same stub. Estimated withheld uses salary+bonus tax without those deduction effects—so RRSP/FHSA contributions are common refund drivers when withholding lags—plus the CRA bonus step-up and RSU marginal proxy. The gap is the filing-season adjustment (refund if negative). Positive "owing" means estimated withholding is still below modelled year-end tax (possible balance due at filing).
Breakdown
Read top to bottom: gross employment income, then each payroll deduction or tax line; green + refunds/credits applied in the federal total, sky = context only.
Estimates only, not tax advice. Brackets and credits are simplified; verify against CRA payroll tables, your TD1, and your T4 before filing.
