Canadian Income Tax Calculator
Calculate your 2026 federal and provincial income tax in Canada. Estimates CPP, EI, and after-tax income for every province and territory.
Runs entirely in your browser. Nothing is sent to our servers.
About this tool
Estimates your 2026 federal and provincial income tax in Canada, plus CPP, CPP2, and EI contributions. Calculations happen entirely in your browser using 2026 brackets confirmed to CRA information for Ontario, BC, Alberta, Quebec, and Nunavut. Brackets for the remaining provinces are projected from 2025 published values — verify with the CRA before relying on them for tax preparation.
What's included
- Federal tax using 2026 brackets (14% / 20.5% / 26% / 29% / 33%) with the Basic Personal Amount as a non-refundable credit.
- Provincial/territorial tax with each jurisdiction's brackets and BPA.
- CPP (5.95% to $74,600 YMPE) and CPP2 (4% to $85,000 YAMPE).
- EI premiums (1.63% to $68,900 max insurable).
- Ontario surtax where applicable.
- Quebec's federal abatement of 16.5%.
What's not included
- Other tax credits (medical, donations, tuition, child care, etc.). The estimate assumes only the Basic Personal Amount.
- RRSP / FHSA deductions — subtract these from your taxable income before entering it.
- Investment income with special treatment (capital gains, eligible and non-eligible dividends).
- Quebec-specific deductions (Quebec uses its own forms; this tool gives a federal+provincial estimate for Quebec residents but isn't a replacement for TP-1).
- OAS / GIS clawback, AMT, and other less-common situations.
Disclaimer
This is an estimate for informational purposes only. For tax preparation, use certified tax software or consult a professional. We make a reasonable effort to keep the data current and accurate but errors do happen — if you spot one, please email us.
Frequently asked questions
- How accurate is this estimate?
- For the confirmed-bracket provinces (ON, BC, AB, QC, NU) and a simple income situation, very close to what CRA software would produce — within a few dollars. For other provinces, accurate to within the indexation projection (typically ±0.5-1% of total tax).
- Why is my paycheque different from this monthly estimate?
- Payroll deductions use a different formula (the TD1 / TP-1015.3 source-deduction tables) that approximates annual tax using a per-period assumption. Year-end tax owing is typically close but rarely exact — that's what your tax return reconciles.
- What about RRSP deductions?
- Subtract your RRSP contribution from your gross income before entering it as "taxable income". The tool calculates what you owe on the remaining amount.
- Why is Quebec different?
- Quebec runs its own provincial tax system through Revenu Québec, and Quebec residents receive a 16.5% federal abatement on their federal tax (because the province collects more directly). This calculator applies the abatement automatically.
Last updated: May 17, 2026