Income tax · take-home pay · sales tax – 2026
Canada Tax Calculator 2026
Income tax calculator for every province and territory. See your take-home pay after federal and provincial tax, CPP or QPP and EI, using official 2026 rates.
2026 brackets and payroll rates from CRA T4127 and Revenu Québec, verified October 9, 2026
Use the province you lived in on December 31, 2026.
RRSP, family and self-employed options
Annual total, e.g. RRSP and FHSA contributions, union dues, child care expenses.
Estimate for the full 2026 tax year. Hourly assumes 2,080 hours.
Your take-home pay in every province
Same income, all 13 provinces and territories, highest take-home first. Change the income above and this table updates.
| Province / territory | Income tax | Take-home pay | Per month |
|---|
*Hourly figures assume 2,080 working hours a year.
2026 federal income tax brackets
| 2026 taxable income | Federal rate |
|---|---|
| First $58,523 | 14% |
| $58,523 to $117,045 | 20.5% |
| $117,045 to $181,440 | 26% |
| $181,440 to $258,482 | 29% |
| Over $258,482 | 33% |
The lowest federal rate is 14% for 2026, down from 15% before July 1, 2025. Federal brackets and credits rose 2% for 2026 to reflect inflation.
2026 CPP, EI and QPP rates
| Contribution | Employee rate | Earnings range | Maximum |
|---|---|---|---|
| CPP | 5.95% | $3,500 to $74,600 | $4,230.45 |
| CPP2 | 4% | $74,600 to $85,000 | $416.00 |
| QPP (Quebec) | 6.30% | $3,500 to $74,600 | $4,479.30 |
| EI | 1.63% | Up to $68,900 | $1,123.07 |
| EI (Quebec) | 1.30% | Up to $68,900 | $895.70 |
| QPIP (Quebec) | 0.43% | Up to $103,000 | $442.90 |
How Canadian income tax is calculated
You pay income tax to two governments: the federal government and your province or territory. Each applies its own brackets to your taxable income, then subtracts non-refundable credits such as the basic personal amount and credits for CPP and EI contributions. Taxable income is your employment income minus deductions, including the enhanced portion of CPP or QPP contributions.
Your province is the one you lived in on December 31 of the tax year, even if you worked elsewhere.
Income tax calculators by province
Sales tax calculator
Need GST, HST, PST or QST instead? The sales tax calculator adds or removes tax for any province, with the federal and provincial split on a receipt. Popular: Ontario HST, Quebec GST + QST, BC GST + PST, reverse HST.
More tax calculators
Frequently asked questions
How much tax do I pay on $75,000 in Canada?
It depends on your province. At $75,000 of employment income in 2026, take-home pay ranges from about $53,423 in Nova Scotia to about $58,819 in Nunavut, after income tax, CPP or QPP and EI. In Ontario it is about $56,926.
What are the 2026 federal tax brackets?
14% on the first $58,523 of taxable income, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above that. The federal basic personal amount is $16,452, reduced gradually to $14,829 for incomes between $181,440 and $258,482.
What is the difference between marginal and average tax rate?
Your marginal rate is the tax on your next dollar of income. Your average rate is your total income tax divided by your total income. Because Canada taxes income in brackets, moving into a higher bracket only raises the tax on the income above that threshold, never on all of your income.
How much are CPP and EI in 2026?
Employees pay 5.95% CPP on earnings between $3,500 and $74,600 (maximum $4,230.45), plus 4% second-tier CPP2 on earnings between $74,600 and $85,000 (maximum $416). EI is 1.63% of insurable earnings up to $68,900 (maximum $1,123.07). Quebec has its own rates for QPP, EI and QPIP.
Why is my paycheque different from this estimate?
Payroll withholding uses CRA formulas based on your TD1 forms and pay frequency, and may include benefits, pension contributions, union dues or other deductions. Your actual tax is settled when you file your return. This calculator estimates the full-year result for employment income with basic credits only.
What this calculator includes
Federal and provincial tax on employment or self-employment income; RRSP, FHSA and other deductions; the basic personal amounts and Canada employment amount; the spouse and eligible dependant (single parent) amounts; child amounts in Saskatchewan, Nova Scotia, PEI and Nunavut; credits and deductions for CPP/QPP, EI and QPIP, including both halves of CPP for the self-employed; the Ontario surtax, Health Premium and tax reduction; the low-income tax reductions in BC, New Brunswick, Newfoundland and Labrador, Nova Scotia and PEI; and the Quebec deduction for workers.
It does not include other credits (such as tuition, medical, disability, age or donation credits), refundable benefits such as the Canada Child Benefit or GST/HST credit, capital gains or dividends, or the Northern Residents Deduction. The New Brunswick low-income reduction uses 2025 amounts indexed by 2%, and Nova Scotia and PEI use their latest published amounts, pending the 2026 provincial forms.
All rates and amounts on this page are taken from official government sources, including the Canada Revenue Agency, Revenu Québec and provincial and territorial finance ministries. Last verified October 9, 2026.