Canada Income Tax Calculator 2026
Take-home pay for 2026 after federal and provincial income tax, CPP, CPP2 and EI, for every province and territory outside Quebec.
Result
Take-home pay for the year: CA$56,925.82Estimate
For one employment in one province, without other income or credits beyond the basic ones. Quebec has its own return and is not covered.
- Take-home pay a month
- CA$4,743.82Estimate
- Federal income tax
- CA$8,258.60Estimate
- Provincial or territorial tax
- CA$4,446.06Estimate
- CPP and CPP2 contributions
- CA$4,246.45Estimate
- EI premiums
- CA$1,123.07Estimate
- Taxable income
- CA$74,273.00Estimate
- Deductions on the next $1,000 of pay
- 32.46%Estimate
- Income tax as a share of pay
- 16.94%Estimate
https://calcgallery.com/income-tax/canada-income-tax-calculator/
An estimate from the published rates for the tax year shown, for the situation described on this page. It is not a tax return or tax advice. Rules change with each budget, and your own circumstances can change the answer. Check it against your payslip and the tax authority’s own calculator, and confirm anything that matters with a qualified tax adviser. Read the full disclaimer
How to use the Canada Income Tax Calculator 2026
- Pick your province or territory. Quebec is not covered because it has its own provincial return.
- Enter your employment income for 2026 and any RRSP contributions you will deduct.
- Read your take-home pay for the year and the month, and each deduction.
How the tax is worked out
The page applies the 2026 Payroll Deductions Formulas over a whole year. First come the payroll contributions, CPP, CPP2 and EI. The enhanced CPP and CPP2 are deducted, along with any RRSP contribution, to give taxable income.
federal tax = federal brackets on taxable income − 14% × (basic personal amount + Canada employment amount + base CPP + EI)provincial tax = provincial brackets − lowest rate × (provincial basic amount + base CPP + EI), then the province's own adjustmentstake-home = pay − federal tax − provincial tax − CPP − CPP2 − EI − RRSPThe province’s adjustments are Ontario’s surtax, tax reduction and health premium, British Columbia’s tax reduction for lower incomes, and Alberta’s supplemental credit.
Provinces and territories
Each province sets its own brackets and basic personal amount. The figures are the 2026 annual amounts from the CRA, including the mid-year changes. British Columbia’s lowest rate rose to 5.6%, Newfoundland and Labrador’s basic amount rose to $13,094, and Prince Edward Island added a 20% bracket above $200,000.
With your numbers
- Taxable income CA$74,273.00 after the enhanced CPP deduction and RRSP
- Federal tax CA$8,258.60 + provincial tax CA$4,446.06 + CPP CA$4,246.45 + EI CA$1,123.07 come off pay
Quick reference
For one employment in one province, without other income or credits beyond the basic ones. Quebec has its own return and is not covered.
| Example | Take-home pay for the year |
|---|---|
| Ontario, $75,000 | CA$56,925.82 |
| Ontario, $50,000 | CA$40,144.93 |
| British Columbia, $100,000 | CA$75,373.36 |
| Alberta, $120,000 | CA$88,257.96 |
| Nova Scotia, $60,000 | CA$44,726.33 |
| Manitoba, $250,000 | CA$154,758.24 |
| Ontario, $75,000 with $5,000 RRSP | CA$53,558.32 |
Where the numbers come from
The fixed figures this calculator relies on, and the published source each one was checked against. How the calculators are built and checked
9 sources
CRA, T4127 Payroll Deductions Formulas, 122nd edition (January 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html, Table 8.1
Used for
- Federal: taxable income above this is taxed at 20.5%.
- Federal: taxable income above this is taxed at 26%.
- Federal: taxable income above this is taxed at 29%.
- Federal: taxable income above this is taxed at 33%.
- Federal rate of bracket 2; the lowest rate is also the credit rate.
- Federal rate of bracket 3; the lowest rate is also the credit rate.
- Federal rate of bracket 4; the lowest rate is also the credit rate.
- Federal rate of bracket 5; the lowest rate is also the credit rate.
CRA, T4127 Payroll Deductions Formulas, 122nd edition (January 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html, Table 8.1: "For 2026 and subsequent tax years, the lowest federal tax bracket will be 14%"
Used for
- Federal rate of bracket 1; the lowest rate is also the credit rate.
CRA, T4127 Payroll Deductions Formulas, 122nd edition (January 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html, BPAF formula
Used for
- Federal basic personal amount for net income up to the 29% bracket.
- Federal basic personal amount at net income of the 33% bracket or more.
CRA, T4127 Payroll Deductions Formulas, 122nd edition (January 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html, K4 and Table 8.2
Used for
- Canada employment amount.
CRA, T4127 Payroll Deductions Formulas, 122nd edition (January 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html, Table 8.3
Used for
- CPP employee contribution rate (base 4.95% + first additional 1%).
- CPP year’s maximum pensionable earnings.
- CPP basic exemption.
CRA, T4127 Payroll Deductions Formulas, 122nd edition (January 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html, Table 8.4
Used for
- CPP base contribution rate, the part that earns a tax credit.
CRA, T4127 Payroll Deductions Formulas, 122nd edition (January 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html, Table 8.6
Used for
- CPP2 year’s additional maximum pensionable earnings.
- CPP2 rate on earnings between YMPE and YAMPE.
CRA, T4127 Payroll Deductions Formulas, 122nd edition (January 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html, Table 8.7
Used for
- EI employee premium rate outside Quebec.
- EI maximum insurable earnings.
CRA, T4127 Payroll Deductions Formulas, 122nd edition (January 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html, Tables 8.1 and 8.2; T4127 123rd edition (July 2026) for BC, NL and PE
Used for
- Rows in the provincial and territorial tax table (Quebec excluded). Verifying this verifies every rate, threshold and basic amount in src/data/canada-tax-tables.ts.
Common questions about the Canada Income Tax Calculator 2026
- What are the 2026 federal tax brackets?
- 14% on taxable income up to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above. The lowest rate fell from 15% to 14% in 2026 (it was 14.5% for 2025 as a blend). The federal basic personal amount is $16,452, shrinking to $14,829 for incomes above $258,482.
- How much CPP and EI will I pay in 2026?
- CPP is 5.95% of earnings between $3,500 and $74,600, at most $4,230.45. CPP2 adds 4% on earnings between $74,600 and $85,000, at most $416. EI is 1.63% of earnings up to $68,900, at most $1,123.07, outside Quebec.
- Why is part of CPP a deduction and part a credit?
- The base CPP contribution, 4.95%, earns a non-refundable tax credit at the lowest rate. The enhanced part, the extra 1% and all of CPP2, is deducted from income instead, which saves tax at your marginal rate. The page handles both.
- What makes Ontario different?
- Ontario adds a surtax on higher provincial tax, a tax reduction for low incomes and the Ontario Health Premium of up to $900 a year, charged on taxable income above $20,000. These can make the tax on the next dollar higher than the bracket rates suggest.
- What does the page leave out?
- Other income such as investment or self-employment income, refundable credits and benefits such as the GST/HST credit and the Canada Workers Benefit, and credits beyond the basic ones: medical expenses, donations, tuition, disability and dependants.