2026 CRA rates 2027 estimates All 13 provinces and territories
Canadian Income Tax Calculator 2026
Know your numbers. Keep more of them.
Your federal and provincial tax, CPP, EI and take-home pay in seconds. Free, private, and built on official CRA rates.
- 2026 CRA ratesEvery province
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Your take-home pay
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Marginal tax rate
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Your tax summary
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- Total income
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- Federal tax
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- Provincial tax
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- Total income tax
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- CPP & EI contributions
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Tax Breakdown
What to do with these numbers
How it works
How this is calculated
The same steps as your tax return, using official 2026 rates.
Live · your numbers, updates as you type
- Step 1 Your income $75,000 Employment, self-employment and other income, less RRSP contributions and the enhanced CPP deduction.
- Step 2 Income tax $12,705 Federal and provincial brackets and credits, the Ontario surtax and Health Premium, and the Quebec abatement.
- Step 3 CPP & EI $5,370 CPP/QPP, CPP2, EI and QPIP at 2026 rates and maximums.
- Result Your take-home pay $56,926 Credits like tuition, medical or dependants aren’t included, so treat it as an estimate.
Sources: Canada Revenue Agency and Revenu Québec rates for the 2026 tax year. 2027 figures are estimates until the CRA confirms indexation. Independent, not affiliated with the CRA.
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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.
What are the federal tax brackets for 2026?
14% up to $58,523, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above that. Provinces add their own brackets.
What is the basic personal amount for 2026?
$16,452 federally. It is reduced gradually for income above $181,440, down to $14,829.
How much is CPP and EI in 2026?
CPP is 5.95% of earnings between $3,500 and $74,600 (up to $4,230.45), plus CPP2 of 4% up to $85,000 (up to $416.00). EI is 1.63% of earnings up to $68,900 (up to $1,123.07).
How much is $100,000 after tax in Ontario?
About $74,206 a year, or $6,184 a month, for a single employee in 2026 after federal and Ontario tax, CPP and EI.
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