How to use the income tax calculator
- 1 Enter your total yearly income before tax.
- 2 Choose your province or territory.
- 3 Choose employment income if it is a salary, so CPP, EI and the Canada employment amount are included.
- 4 Enter RRSP and other deductions, then read your tax and average and marginal rates.
Worked example
An Ontario employee earning $80,000. After the enhanced CPP deduction, taxable income is $79,073. Federal tax after credits is about $9,243 and Ontario tax is about $4,135, plus the $750 Ontario Health Premium, for total income tax of about $14,128. After CPP and EI, about $60,303 is left.
Filing and paying less tax
- Deadlines: file by 30 April; self-employed people and their spouses have until 15 June, but any balance owing is still due on 30 April.
- RRSP deduction: contributions made up to 60 days into the new year can be deducted for the previous tax year.
- Credits, not just deductions: most credits, such as the basic personal amount, reduce tax at the lowest rate, while deductions reduce income at your top rate.
- Budget watch: the federal budget on 5 November 2026 may announce changes; this page uses rates in force for 2026.
See tax on each paycheque with the Take-Home Pay Calculator, and the refund from an RRSP contribution with the RRSP Calculator.
Features
All 13 provinces and territories
2026 brackets and basic personal amounts for every province and territory, including Quebec's abatement.
2026 federal rates
14% on the first $58,523, then 20.5%, 26%, 29% and 33%, with the basic personal amount of $16,452 and its clawback for high earners.
Credits included
Basic personal amount, Canada employment amount, CPP and EI credits, and the enhanced CPP deduction.
Ontario extras
Ontario surtax at 20% and 36% and the Ontario Health Premium up to $900.
When to use it
Tax planning
See your tax before the year ends and plan RRSP contributions. See each cheque with the Take-Home Pay Calculator.
Moving provinces
Compare tax on the same income in Alberta, Ontario and BC. Cut tax with the RRSP Calculator.
Raises and bonuses
Check your marginal rate before deciding how to take a bonus. See CPP and EI with the CPP and EI Calculator.
Filing season
Get a ballpark figure before you file your return in the spring. Selling investments? Use the Capital Gains Tax Calculator.
Related Tax tasks
Frequently asked questions
What are the 2026 federal tax brackets?
14% on the first $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above that.
Why did the lowest rate change?
The federal government cut the lowest rate from 15% to 14.5% from July 2025 and to 14% from 2026, which saves most taxpayers a few hundred dollars a year.
What is the basic personal amount?
The federal basic personal amount for 2026 is $16,452 for incomes up to $181,440. It falls gradually to $14,829 at $258,482. Each province has its own amount.
What is the difference between average and marginal tax rate?
Your average rate is total tax divided by income. Your marginal rate is the combined rate on your next dollar, which is what an RRSP contribution saves.
Is Quebec different?
Yes. Quebec residents file a separate provincial return, pay QPP instead of CPP and QPIP, and get a 16.5% reduction of federal tax, called the Quebec abatement.
Does this include all credits?
It includes the main credits. Others, such as tuition, medical expenses, donations, the age amount, pension income amount and provincial low-income reductions, lower tax further.
Does it include CPP and EI?
Yes. They are shown separately and are not income tax, but the calculator shows your income after tax, CPP and EI.
How accurate is it?
It is an estimate based on 2026 rates. Your actual tax depends on your full return, including all income, deductions and credits.
Results are estimates based on the official rates linked above. Confirm important figures with the issuing authority or a qualified adviser before you act on them.
Built and reviewed by Hamza Farooq, founder and lead developer
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