Income tax calculator Canada 2026

Figures for a single employee living in Ontario for all of 2026, with no RRSP contribution, no other income and only the basic personal amounts; the Ontario tax column includes the surtax, tax reduction and LIFT credit; the Ontario Health Premium is not shown as a column but is deducted from the take-home figures. Choose another province in the calculator for its figures.

Amounts are rounded to whole units; type any salary into the calculator above for the exact figure and your own options.

Every employee pays two income taxes on the same taxable income: federal tax, at rates from 14% up to 33% on income over $258,482, and the tax of the province or territory where you lived on 31 December. Each has its own brackets and its own basic personal amount: the federal one is $16,452 (reduced gradually to $14,829 for incomes above $181,440), Ontario's is $12,989 and Alberta's is $22,769.

The basic personal amount is not a deduction but a credit: it is multiplied by the lowest rate and taken off the tax. The same happens with the base part of your CPP contributions, your EI premiums and, federally, the Canada employment amount of $1,501. The enhanced part of CPP (the first additional contribution and CPP2) is deducted from your income instead, and so are RRSP contributions.

• CPP: 5.95% of earnings between $3,500 and $74,600, up to $4,230.45 a year, then CPP2 at 4% up to $85,000 (at most $416).
• EI: 1.63% of insurable earnings up to $68,900, at most $1,123.07 a year (1.3% in Québec).
• Ontario adds a surtax on higher Ontario tax and the Ontario Health Premium (up to $900); lower earners get the Ontario tax reduction and the LIFT credit (up to $875).
• Your employer deducts all of this from each pay using the CRA payroll formulas and your TD1 forms; the annual figures here are what your tax return should come to for the same salary.

Québec runs its own income tax, collected by Revenu Québec, with rates from 14% to 25.75% and a basic personal amount of $18,952. Employees also get the deduction for workers (up to $1,450). Because the province funds programs the federal government runs elsewhere, Québec residents have their basic federal tax cut by the 16.5% Québec abatement.

Instead of CPP you pay QPP at 6.3%, a slightly higher rate on the same earnings; instead of part of EI you pay QPIP premiums of 0.43% (up to $103,000 of earnings) for parental benefits, so the EI rate falls to 1.3%. The table below compares the same salary in every province.

The lowest federal rate is 14% for the whole of 2026 (it was 15% until June 2025, 14.5% for 2025 as a whole). The federal basic personal amount of $16,452 gives a credit at 14%; it falls gradually to $14,829 between $181,440 and $258,482 of net income. Employees also get the Canada employment amount of $1,501.

The same $75,000 salary in each province and territory, as a single employee with no RRSP contribution: federal and provincial tax, CPP or QPP, EI and (in Québec) QPIP.

Provincial tax includes the Ontario surtax, tax reduction, LIFT credit and Health Premium, and the BC tax reduction where they apply. In Québec the federal tax is lower (16.5% abatement) but Québec tax, QPP and QPIP are higher.

British Columbia raised its lowest rate from 5.06% to 5.6% for 2026, Prince Edward Island added a 20% bracket over $200,000, and Newfoundland and Labrador raised its basic personal amount to $13,094, all for the full 2026 year (payroll catches up with higher prorated amounts from July). Ontario adds a surtax of 20% of Ontario tax over $5,818 and 36% over $7,446, and the Ontario Health Premium of up to $900.

Only the base part of CPP (4.95% of the 5.95%) or QPP (5.3% of 6.3%) earns a tax credit; the first additional part and CPP2/QPP2 are deducted from your income instead. Your employer pays the same CPP/QPP amount on top.

Tax year 2026 (1 January to 31 December 2026). Every rate and threshold on this page was last checked on 23 September 2026 against the official sources below; the calculator, the tables and the figures in the text all come from the same data.

This is an estimate to help you plan, not financial or tax advice. Your employer, your tax authority and your own circumstances decide what you actually pay.

• Salary after tax in other countries: every country calculator

Sources: CRA: Current year tax rates and income brackets (2026) (checked 2026-09-23); CRA: T4127 Payroll Deductions Formulas, January 2026 (checked 2026-09-23); CRA: T4127 Payroll Deductions Formulas, July 2026 (checked 2026-09-23); CRA: T4032ON payroll deductions tables, general information (Ontario amounts) (checked 2026-09-23); CRA: CPP contribution rates, maximums and exemptions (checked 2026-09-23); CRA: Second additional CPP (CPP2) contribution rates and maximums (checked 2026-09-23); CRA: EI premium rates and maximums (checked 2026-09-23); Finance Canada: Quebec abatement (checked 2026-09-23); Revenu Québec: Income tax rates (checked 2026-09-23); Revenu Québec: Principal changes for 2026 (QPP, QPIP, basic amount, deduction for workers) (checked 2026-09-23); Government of B.C.: Personal income tax rates (checked 2026-09-23); Government of B.C.: Basic personal income tax credits (BC tax reduction) (checked 2026-09-23); Ontario: Low-income individuals and families tax (LIFT) credit (checked 2026-09-23); Manitoba Finance: Personal tax credits (basic personal amount phase-out) (checked 2026-09-23); Newfoundland and Labrador: Personal income tax (checked 2026-09-23); Nova Scotia: Personal income tax rates and indexation (checked 2026-09-23); Prince Edward Island: Provincial personal income tax (checked 2026-09-23)

1. Type your gross pay and choose whether it is per year, month, semi-monthly, bi-weekly, week or hour (add your hours a week for an hourly wage).
2. Choose the province or territory you live in; Québec switches to QPP, QPIP, the lower EI rate and the federal Québec abatement.
3. If you contribute to an RRSP, enter the share of your salary; it lowers your income tax but not CPP or EI.
4. Read your take-home pay per year, month, semi-monthly and bi-weekly pay and week, the breakdown of each deduction, and your effective and marginal rates.