ℹ️ For information purposes only. Not affiliated with the Government of Canada or the CRA. Always verify with your pay stub and the CRA T4127.
Free Tool · Live API

Federal Paycheque Checker

Plug in your biweekly pay-stub inputs. ACCORD calls its live rules engine to compute what your CPP, EI, federal income tax, PSSA pension, and union dues should be — with the CRA T4127 and PSSA citations on every line. Independent of Phoenix. Independent of Dayforce.

1. Who you are
2. This biweekly pay period
For exact match If you're comparing to a real pay stub, enter your pensionable / insurable earnings (the "Gross Earnings" figure on your stub), not your basic pay. They differ when you have LWOP, leave-with-income-averaging (LIA), non-pensionable allowances, or bilingual bonus adjustments. CPP, EI, and PSSA are calculated on pensionable/insurable earnings — federal income tax is calculated on taxable gross, which may differ again.
3. Pension & tax setup

Validated paycheque breakdown

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Line Citation Amount (CAD)
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Not matching your stub? The three deductions most sensitive to the difference between basic pay and pensionable/insurable earnings are CPP, EI, and PSSA. If any of these diverge by more than a few cents, it's likely because your stub computes them on a different base (after LWOP, LIA, or bilingual-bonus adjustments). Enter your stub's pensionable earnings (not basic pay) above for an exact match. Federal income tax and union dues are less sensitive.
V1 scope: single biweekly period, federal income tax only (no provincial income tax yet), no YTD-aware annual maximums, no retro adjustments, no supplementary benefits or garnishments. The gross input is used as both the pay base and the pensionable/insurable base — real stubs may split these (LWOP, LIA, acting pay). Separate pensionable/insurable inputs coming in V2. Provincial tax modules (starting with Ontario) and YTD-aware calculations are on the roadmap.

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Guides
Plain-language explainers on vacation, acting pay, and more.

Sources

  1. Canada Revenue Agency, T4127 — Payroll Deductions Formulas. The authoritative formula set for federal income tax, CPP, and EI. canada.ca
  2. Canada Revenue Agency, Payroll Deductions Online Calculator (PDOC) — the oracle ACCORD's statutory modules are tested against. canada.ca
  3. Treasury Board of Canada Secretariat, Public Service Superannuation Act contribution rates — Group 1 / Group 2, two-tier rates above and below YMPE. canada.ca
  4. ACCORD API — https://api.hazeydata.ai. Live rules engine for federal pay calculations. Open documentation at /docs.