Canada income tax calculator
Your 2026 take-home pay in Canada, with the federal and provincial tax, CPP and EI worked out for the province or territory you live in.
Line by line
Vos chiffres, étape par étape.
How your income fills the tax bands
Each slice of taxable income is taxed at its own rate, so only the part above a threshold pays the higher rate.
| Rate | Band | Your income in it | Tax |
|---|
Rules and sources
- CRA: 2026 federal, provincial and territorial income tax rates and brackets
- CRA T4127, Payroll Deductions Formulas (122nd edition, January 2026) — basic personal amounts, the Ontario surtax and Health Premium, and the British Columbia tax reduction.
- Revenu Québec: principal changes for 2026 — Quebec brackets, QPP, QPIP and the deduction for workers.
- Federal: 14% to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, then 33%. Basic personal amount $16,452, tapering to $14,829 across the fourth bracket.
- CPP 2026: $74,600 ceiling, $3,500 exemption, 5.95%; CPP2 a further 4% to $85,000. EI 1.63% to $68,900 ($1.30% in Quebec). QPP 6.30%, QPIP 0.430% to $103,000.
Questions fréquentes
Why does the same salary give different take-home pay in each province?
Every province and territory sets its own brackets, rates and basic personal amount on top of the federal system. On $75,000 the gap between the lightest and heaviest is more than $5,000 a year: Nunavut taxes that salary least, Nova Scotia and Prince Edward Island most. Alberta has the highest basic personal amount in the country at $22,769, which is why it stays cheap despite an 8% starting rate.
What are CPP2 and the enhanced CPP?
CPP now comes in two tiers. The first charges 5.95% on earnings between the $3,500 exemption and the $74,600 ceiling. The second, CPP2, charges a further 4% on everything between $74,600 and $85,000, which is a maximum of $416.
The split matters for tax. The older 4.95% part of your contribution gives you a non-refundable credit, while the newer 1% part and all of CPP2 are deducted from your taxable income instead. This calculator does both, which is why your taxable income is slightly below your gross pay.
What is the Ontario surtax?
A tax on your tax. Ontario charges an extra 20% of the provincial tax you owe above $5,818, and another 36% of the part above $7,446. Because it is charged on the tax rather than the income, it quietly raises Ontario’s real top rate well above the 13.16% in the bracket table. Ontario also charges a separate Health Premium of up to $900 a year, which this calculator includes.
Why is federal tax lower in Quebec?
Because Quebec runs programmes that Ottawa runs everywhere else, Quebec residents get 16.5% taken off their basic federal tax. That is the Quebec abatement. It does not make Quebec a low-tax province overall — provincial rates start at 14% and the province runs its own pension plan (QPP at 6.30%, higher than CPP) and parental insurance plan (QPIP), while paying a lower EI rate of 1.30% in exchange.
Which tax bands does the table show?
The federal ones. Provincial bands differ in every jurisdiction, and showing thirteen sets of them would make the table unreadable, so the provincial tax appears as a single line in the breakdown instead. The marginal rate shown is the combined one: federal plus provincial, including the Ontario surtax and any clawback you are inside.
What is not included?
This is an estimate for an employee with salary income only, claiming the basic personal amount. It does not model RRSP contributions, the Canada Employment Amount, spousal or dependant credits, tuition, medical expenses, the Canada Workers Benefit, or the low-income tax reductions that several provinces offer. It also assumes you work the whole year in one province. Your real return will usually be a little kinder than this figure, not harsher.