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Updated for the 2026 tax year

Canadian Income Tax Calculator 2026 & 2027. Your take-home pay, in seconds.

Federal and provincial tax, CPP, EI and take-home pay for every province and territory, using official CRA rates. Free, no sign-up.

Your Income Details

Select the tax year you want to calculate. Rates are automatically updated.

Quick start:
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💡 Type your income or tap a preset above — results update instantly

Paid by the hour? See $17–$60 an hour after tax

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$

Deductible business expenses for self-employed income

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Want a breakdown of how to lower your taxes next year? Enter your email.

Your Tax Summary

Total Income

$0

Total Tax

$0

Federal Tax $0
Provincial Tax $0
CPP & EI $0

After-Tax Income

$0

$0 / month

Average Tax Rate

0%

Marginal Tax Rate

0%

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What to do with these numbers

savings Cut this tax bill with RRSP contributions currency_exchange Predict your tax refund home See what home this income affords location_city Compare this salary across cities

Other provinces and territories

Calculate your taxes for any Canadian province or territory

Guides

Plain-English answers to the questions Canadians ask most.

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Calculators

Every tool you need. All free.

From your paycheque to your first home, built on 2026 CRA rules.

payments Salary after tax Take-home pay for every salary and province. percent GST / HST Add or remove sales tax in any province. savings RRSP refund See the refund from your RRSP contribution. trending_up TFSA Project tax-free growth and contribution room. home FHSA Save for your first home, tax-free. house Mortgage Payments, interest and amortization. fact_check Stress test Check if you qualify at the 2026 rate. show_chart Capital gains Tax on selling stocks, crypto or property. paid Dividend tax Eligible and non-eligible dividends. redeem Bonus tax What you keep from a bonus. schedule Overtime pay Time-and-a-half and double time. receipt_long Refund predictor Estimate your refund before you file.
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How it works

Three steps. No sign-up.

1

Pick your province

Rates for all 10 provinces and 3 territories load automatically.

2

Enter your income

Salary, self-employment, capital gains, dividends and RRSP contributions.

3

See your take-home

Federal and provincial tax, CPP, EI and your marginal rate, instantly.

verified

Official 2026 CRA rates

Checked against published payroll figures.

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Instant results

Calculations run right in your browser.

devices

Works everywhere

Phone, tablet or desktop.

MTC for Android

Your taxes,
in your pocket.

Instant calculations, offline access and saved scenarios.

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MTC Android app showing a tax calculation

Frequently Asked Questions

How accurate is this income tax calculator?

It uses the official 2026 federal and provincial tax brackets and credits: the basic personal amount, Canada employment amount, CPP/QPP and EI credits, the Ontario surtax and Health Premium, and the Quebec abatement. For a typical salary it matches CRA-based calculations to within a few dollars. It does not include personal credits such as tuition, medical expenses or dependants, so treat it as an estimate and compare with your pay stub or Notice of Assessment.

How does this calculator handle CPP, EI, and other deductions?

CPP (or QPP in Quebec), CPP2 and EI are built in using the 2026 rates and maximums, including QPIP for Quebec. The base CPP and EI you pay earn a non-refundable tax credit, and the enhanced CPP and CPP2 portions are deducted from your income, just as on your tax return. RRSP contributions you enter are also deducted.

Why do my results differ from my actual pay?

Your employer may deduct things this calculator does not know about, such as union dues, pension plan contributions, benefits or extra tax you asked them to withhold. Payroll withholding is also an estimate spread over the year, so it rarely matches your final annual tax exactly.

Can I use this calculator to plan my salary or job change?

Yes. Change the income or province to compare job offers, see the effect of a raise, or plan a move between provinces. Your take-home pay, marginal rate and average rate update instantly.

Does this tool calculate tax refunds or amounts owed?

It estimates your total tax for the year. Compare that with the tax already withheld on your T4 slips: if more was withheld, you can expect a refund; if less, you will owe the difference. For a guided estimate, try the Tax Refund Predictor.

Tax Insight
2026 Forecast

Estimated Take-Home Pay

$0 per year

Gross Income

$0

Total Tax

$0

Generated by MTC

mytaxcalculator.ca

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