Terms of Use

In short

• Takehome is a calculator, not advice. It estimates Canadian payroll deductions (federal and provincial or territorial income tax, CPP, CPP2 and EI) from the CRA's T4127 Payroll Deductions Formulas. It is not tax, legal, accounting or payroll advice.
• The CRA is authoritative. The CRA's Payroll Deductions Online Calculator (PDOC) and the CRA's publications decide what is correct. Employers remain responsible for deducting, remitting and reporting the right amounts.
• It is accurate but not perfect. Against 9,002 forms checked in PDOC, 8,905 match to the cent by default and 8,987 match with the optional PDOC rounding setting. 15 still differ by one cent. Quebec is not supported. 2027 rules are a preview.
• Free, as is. The website is free and provided without warranties, and our liability is limited, to the extent the law allows.
• Ontario law applies. Nothing here takes away rights you have under consumer protection law that cannot be waived.
• Using the API? The API Terms also apply.

1. Who we are and what these terms cover

Takehome is run by Gautam Khosla, an individual in Ottawa, Ontario, Canada ("we", "us", "our"). Takehome is not a company. Contact: developwith.gt@gmail.com.

These Terms of Use apply to the website at takehome.gautamkhosla.com, including the calculators, rate tables, documentation, conformance record and the embeddable widget. If you use the Takehome API, the API Terms and Acceptable Use also apply, and they govern if the two conflict on an API matter. Our Privacy Policy and Cookies and Local Storage Notice explain how we handle information.

By using the website you agree to these terms. If you do not agree, do not use it.

2. What Takehome is, and what it is not

Takehome calculates statutory payroll deductions for one pay period from the formulas in the CRA's T4127 Payroll Deductions Formulas (122nd edition, effective 1 January 2026, and 123rd edition, effective 1 July 2026). Each result names the rule set it used and lists the factors behind it.

Takehome is not:

• tax, legal, accounting, financial or payroll advice, and not a substitute for a qualified professional;
• a payroll service. It does not file returns, remit source deductions, issue T4 slips or move money;
• an official CRA tool, and it is not affiliated with or endorsed by the Canada Revenue Agency or the Government of Canada;
• a calculator for Quebec provincial tax, the Quebec Pension Plan or the Quebec Parental Insurance Plan.

The CRA's PDOC and the CRA's publications are the authoritative sources. The CRA itself says that the reliability of PDOC's results "depends on the accuracy of the information you provide", and the same is true of Takehome.

3. Employers remain responsible

If you are an employer or act for one, you are responsible for deducting, remitting and reporting the correct payroll deductions. The CRA's Employers' Guide (T4001) says the CRA can assess a penalty of 10% of the CPP, EI and income tax an employer did not deduct, and that the employer is responsible for those amounts even if they cannot be recovered from the employee. Check Takehome's results against PDOC or the CRA's publications before relying on them for payroll.

4. Accuracy: what we have measured and what we have not

We publish our measured agreement with PDOC and list every disagreement on the Conformance page. As of 22 October 2026:

• What was compared. 9,002 T4127 Option 1 pay calculations were entered into PDOC and PDOC's results captured (latest capture 15 September 2026, using July 2026 rules for the large grid). A form "matches" only when all seven compared lines (CPP, CPP2, EI, federal tax, provincial or territorial tax, total deductions and net pay) agree to the cent.
• Default settings. 8,905 of the 9,002 forms match.
• With the optional setting rounding_compat: "pdoc". 8,987 of the 9,002 forms match. This setting reproduces how PDOC appears to round the CPP line (we inferred this from PDOC's outputs; PDOC's code is not public). Under default settings, 82 forms differ by one cent because of that CPP rounding.
• What still differs. 15 forms differ from PDOC by one cent on a period tax line under both settings. We have not found a published rule that explains them. They are listed on the Conformance page and counted in both figures.
• What was not compared. 780 forms at the $5,000 bonus boundary could not be entered through PDOC's salary screen and are not in the figures. PDOC has no Option 2 (cumulative averaging) mode, so Option 2 results are checked only against the worked examples in T4127, which is weaker evidence.
• Quebec. Quebec is not supported. The API returns jurisdiction_not_supported and the Quebec calculator page does not calculate; neither ever shows a federal-only figure as if it were complete.
• 2027. The 2027 rule set is a preview, not enacted rules. It applies the base CPP rate change announced for 1 January 2027 (base 4.75%, total 5.75%). The pensionable earnings maximums, tax brackets and basic personal amounts are held at 2026 values until the CRA publishes its 2027 edition (for British Columbia, Newfoundland and Labrador and Prince Edward Island, the full-year values from their July 2026 changes are used instead of the prorated ones). Every 2027 result carries a warning that says not to file from it.
• Mid-year changes. British Columbia, Newfoundland and Labrador and Prince Edward Island changed rates on 1 July 2026. Takehome applies the CRA's prorated Option 1 values from that date.
• Inputs matter. Results depend on what you enter. The website calculators assume 12 months of CPP contributions and no year-to-date amounts unless you enter them. They do not handle every situation in T4127 or every deduction on a real pay stub (for example, benefits premiums or garnishments).

Rates and rules change. We update Takehome when the CRA publishes new editions, but there can be a delay. The figures above describe the build released with this version of these terms; the Conformance page shows the figures for the build you are using.

5. Your calculations stay in your browser

The calculators and the embed widget run in your browser. The figures you type are not sent to us. See the Privacy Policy.

6. The embed widget

You may place the embed widget (/embed.js, or a versioned path such as /embed/v0.1.0/embed.js) on your own web pages free of charge, provided that:

• you do not alter the widget's code or remove or obscure the "Takehome" link it shows;
• you do not present its results as official CRA figures or as advice; and
• you tell your visitors, in your own privacy notice, that the widget loads a script from takehome.gautamkhosla.com.

Use the versioned path with the published Subresource Integrity hash if you need the code to stay fixed. We may change or withdraw the unversioned /embed.js at any time. We intend to keep published versioned paths available, but we may withdraw one if it has a security problem or if we stop operating the hosted service.

7. Acceptable use of the website

Do not:

• interfere with, overload or disrupt the website or the systems behind it, including by automated requests at a rate that degrades the service for others;
• probe, scan or test security except as allowed by our Security and Responsible Disclosure page;
• use Takehome's name, mark or results in a way that suggests it is, or is endorsed by, the CRA or any government;
• use the website for anything unlawful.

8. Intellectual property and open source

• Open-source code. The source code of the Takehome engine, this website and the API, the rule data embedded in the engine, and the client packages are published at github.com/GautamTalksDev/takehome under the Apache License 2.0. Your rights to that code come from that licence, and nothing in these terms limits them. These terms govern your use of the hosted website and API, which are services we run, not the code.
• Name and mark. The Apache License does not grant rights to the Takehome name, the Takehome logo or the seal mark. Do not use them in a way that suggests we endorse you or your product. You may refer to Takehome by name to describe it accurately.
• Fonts. The website uses subsets of Source Serif 4 and IBM Plex, licensed under the SIL Open Font License; the licence texts are linked in the footer.
• CRA material. Rates, thresholds and formulas come from CRA publications. CRA publications are Crown copyright and are not licensed by us. Where we reproduce CRA text or tables, it is a copy of the version available on canada.ca, it is reproduced for verification and reference, and it has not been produced in affiliation with, or with the endorsement of, the Government of Canada. The canada.ca terms restrict reproduction of its materials for commercial redistribution without permission; see www.canada.ca/en/transparency/terms.html.

9. Links to other sites

We link to CRA pages and other sites for reference. We are not responsible for their content, availability or privacy practices.

10. No warranty

To the extent the law allows, the website, the calculators, the widget and all results are provided "as is" and "as available", without warranties or conditions of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, availability and non-infringement. We do not promise that the website will be uninterrupted, error-free or free of one-cent or larger differences from PDOC.

11. Limitation of liability

To the extent the law allows:

• we are not liable for any indirect, incidental, special, consequential or punitive loss, or for lost profits, lost revenue, lost data, or any tax, penalty, interest or assessment (including CRA penalties for under-deduction or late remittance) arising from use of, or reliance on, Takehome; and
• our total liability for all claims relating to the website is limited to CAD $100.

These limits apply however the claim arises (contract, tort including negligence, or otherwise), even if we were told the loss was possible. They do not limit liability for fraud or intentional misconduct, or any liability that cannot be limited under applicable law.

12. Consumer rights

If you are a consumer, you may have rights under consumer protection law that cannot be excluded or limited by contract. Nothing in these terms excludes or limits those rights. These terms contain no arbitration clause and no class-action waiver.

13. Governing law and disputes

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. Any dispute will be heard in the courts of Ontario, and either party may bring a claim in the Small Claims Court where it qualifies. If you are a consumer and the law of the place where you live gives you the right to bring a claim in your local courts, nothing in these terms removes that right.

Before starting a claim, please email developwith.gt@gmail.com with a description of the problem, and give us 30 days to try to resolve it. This does not stop you from going to court to preserve a right or meet a limitation period.

14. Changes to the website and these terms

We may change, suspend or stop the website or any feature at any time. We may update these terms; the new version applies from the "Last updated" date shown. If a change materially reduces your rights, we will post a notice on the website at least 30 days before it takes effect where we reasonably can.

15. General

If any part of these terms is found unenforceable, the rest stays in effect and the unenforceable part is applied to the greatest extent the law allows. Our not enforcing a term is not a waiver. These terms, with the Privacy Policy, the Cookies and Local Storage Notice and (for API users) the API Terms, are the whole agreement about the website. These terms are written in English.

16. Contact

Gautam Khosla, Ottawa, Ontario, Canada. developwith.gt@gmail.com.