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Why your estimate can differ from your cheque

Paycheq uses CRA’s payroll formulas and your province’s or contract’s rules, but it can’t see your employer’s payroll system. Small differences are normal.

The usual causes

  • Rounding: payroll systems round rates and hours in different orders.
  • Pay period cutoffs: your employer may close the pay period before its last day, moving some hours to the next cheque.
  • Punch rounding and automatic break deductions at work.
  • Year-to-date totals from before you started using Paycheq. Add them in Jobs, under Earlier this year.
  • Benefits and pension deductions that aren’t entered in Paycheq.
  • How your employer works out tax: CRA’s formulas or its tables.
  • TD1 changes you’ve made at work.
  • Retroactive pay for a raise.

Comparing with your real cheque (Pro)

  1. On Pay, open a pay period that’s finished and paid.
  2. On the Your actual cheque card, tap Enter cheque stub.
  3. Copy the numbers from your stub: gross pay, federal tax, provincial tax, CPP, CPP2, EI, other deductions and net pay. Leave CPP and EI blank to keep Paycheq’s estimates.
  4. Tap Save.

The card then shows your actual net, the estimated net and the difference.

The CPP and EI you enter also replace the estimates in your year-to-date totals, which makes later cheques more accurate.

Paycheq's Your actual cheque card on iPhone: a line asking for the numbers from your cheque stub and an Enter cheque stub button, below a Banked time card.

If it’s off by a lot

Work through My figures don’t match my cheque. Big differences usually come from a rule or rate that isn’t set up yet.

Estimates only. Not legal or tax advice.

Also useful → My figures don’t match my cheque

Still stuck?

Paycheq keeps everything on your phone, and its pay figures are estimates, not legal or tax advice.

Know your cheque before payday.

Join the waitlist and you'll hear the day Paycheq lands on the App Store.

Paycheq Waitlist

iPhone only. Every province and territory except Quebec.