Canada Income Tax Calculator

About the Canada Income Tax Calculator

Choose your province or territory and enter your income for the year — employment income, net self-employment income and other taxable income — and the deductions you claim, such as RRSP and FHSA contributions. The calculator works out the federal tax and your province’s or territory’s tax bracket by bracket from the CRA’s rates, takes off the basic personal amount, the Canada employment amount and the credits for your CPP and EI contributions, and adds the provincial extras: the Ontario surtax, tax reduction, LIFT credit and health premium, the B.C. tax reduction and the Quebec abatement.

You also see your CPP, CPP2 and EI contributions — both shares for the self-employed — your average and marginal tax rates, your take-home pay for a year, a month, every two weeks and a week, and, if you enter the tax already deducted, your refund or balance owing. Nothing you type leaves your browser.

Without a pass, the free preview shows the income tax for the year in full, with the first rows of the federal and provincial working; a Pro pass unlocks every figure: both workings with every credit and provincial extra, your CPP, CPP2 and EI contributions, your take-home pay for a year, a month, every two weeks and a week, your rates, the refund or balance, the summary to copy and the CSV.

Federal tax and credits

Federal tax for the 2026 tax year is 14% on the first $58,523 of taxable income, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above (CRA). Non-refundable credits are worked out at 14% and reduce the tax:

• the basic personal amount, $16,452, reduced gradually to $14,829 between $181,440 and $258,482 of net income;
• the Canada employment amount, up to $1,501 of employment income;
• your CPP contributions at the base rate, and your EI premiums.

Quebec residents get a refundable abatement of 16.5% of their basic federal tax, because Quebec runs its own programs (T4127).

CPP, CPP2 and EI

For 2026, employees pay 5.95% of earnings between $3,500 and $74,600 into the CPP (up to $4,230.45) and 4% of earnings between $74,600 and $85,000 as CPP2 (up to $416); the self-employed pay both shares, 11.9% and 8% (CRA, CPP2). The base part of the contributions (4.95 of the 5.95 points) earns the non-refundable credit, and the enhanced part — the other point and all of CPP2 — is deducted from income. EI is 1.63% of insurable earnings up to $68,900 (up to $1,123.07; 1.30% in Quebec) (CRA).

In Quebec, the QPP replaces the CPP — 6.3% up to $74,600 and 4% to $85,000 — and employees also pay QPIP premiums of 0.43% of earnings up to $103,000.

Provincial and territorial tax

Each province and territory has its own brackets and basic personal amount, and those outside Quebec give credits for CPP and EI at their lowest rate. Some add more:

• Ontario: a surtax of 20% of basic Ontario tax above $5,818 and a further 36% above $7,446; a tax reduction for low Ontario tax; the LIFT credit of up to $875 for lower incomes; and the Ontario Health Premium of up to $900 on taxable income above $20,000.
• British Columbia: the B.C. tax reduction of $690, reduced by 3.56% of net income above $25,570.
• Quebec taxes 14% to $54,345, 19% to $108,680, 24% to $132,245 and 25.75% above, with a basic personal amount of $18,952 (Finances Québec); the Quebec return has more deductions and credits than the calculator includes.

Limitations

• For individuals with employment, self-employment and other fully taxable income. Capital gains, dividends and their tax credits are not worked out.
• Credits beyond the basic ones — age, pension, spousal, dependants, tuition, medical, donations — and low-income reductions other than Ontario’s and B.C.’s are not included.
• Quebec tax uses the basic personal amount only, and self-employment in Quebec is not covered.
• EI for the self-employed is optional and not included; neither are refundable benefits such as the Canada Workers Benefit.
• Uses the rates for the 2026 tax year.

Privacy

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