Canada Income Tax Calculators 2026
Federal & provincial tax tools
- Calculators
- 2
- Rules
- 2026 tax year
- Cost
- Free
Federal + Provincial Income Tax Calculator
Estimate your 2026 take-home pay: federal and provincial tax for all 13 provinces and territories, CPP/QPP and EI.
RRSP Contribution & Tax Refund Estimator
Calculate your RRSP contribution room and estimate the tax refund your contribution could generate.
Official rules
Slabs and rates from the tax authority
Private
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Instant
Results update as you type
How income tax works in Canada
Canadians pay two layers of income tax on the same income: federal tax, and provincial or territorial tax, each with its own brackets and basic personal amount. Your employer also deducts CPP contributions (QPP in Quebec) and EI premiums from every paycheque. The Canada income tax calculator adds them together for all 10 provinces and 3 territories to show your take-home pay.
The most powerful tax break for most employees is the RRSP. Contributions are deducted from your taxable income, so you save tax at your marginal rate, often 30% or more. Your contribution room is 18% of last year's earned income up to an annual maximum, plus any unused room. The RRSP tax refund calculator estimates both your room and the refund a contribution could produce.
Where you live on December 31 sets your provincial tax for the whole year, and the differences are real. Nunavut has the lowest rates in the country, from 4% to 11.5%; Alberta gives the largest basic personal amount at $22,769; Ontario adds a surtax and a health premium; and Quebec residents file a separate provincial return and pay into QPP and QPIP instead of CPP. Each province and territory page lists its 2026 brackets and shows take-home pay at four salaries.
Your paycheque deductions are an estimate based on your TD1 forms. When you file your return in the spring, credits and deductions such as RRSP contributions, tuition and medical expenses are applied, and the difference comes back as a refund or a balance owing. Remember that your marginal rate (the tax on your next dollar) is always higher than your average rate, because each bracket's rate applies only to the income inside it.
| Figure | |
|---|---|
| Federal brackets | 14%, 20.5%, 26%, 29%, 33% |
| Federal basic personal amount | $16,452 (reduced to $14,829 for high incomes) |
| CPP | 5.95% on $3,500–$74,600; CPP2 4% up to $85,000 |
| EI | 1.63% up to $68,900 (1.30% in Quebec) |
| RRSP dollar limit | $33,810 |
| Provinces and territories covered | All 13 |
What changed for 2026
- 14% for the full year. The lowest federal rate was cut from 15% to 14% on July 1, 2025, so 2026 is the first full year at 14%.
- Higher CPP and EI ceilings. CPP now applies up to $74,600 (from $71,300) and CPP2 up to $85,000 (from $81,200). EI's rate dips to 1.63% (from 1.64%) on earnings up to $68,900 (from $65,700). The RRSP limit rises to $33,810 (from $32,490).
- Provincial changes. British Columbia raised its lowest rate to 5.60%, Prince Edward Island added a 20% bracket above $200,000, and Newfoundland and Labrador raised its basic personal amount to $13,094.