Canada Income Tax Calculator
Your 2026 federal and provincial income tax, CPP and EI, and take-home pay a year, month, two weeks and week, for every province and territory.
= $6,250 a month
Also count group RRSP and pension plan (RPP) contributions taken from your pay. 2026 limit: 18% of 2025 earned income, up to $33,810.
Other income
You pay both halves of CPP on it (no EI).
Fully taxed, no CPP or EI.
50% of the gain is taxed. Your main home is usually tax-free.
From public Canadian companies. Grossed up 38%.
Usually from a small private company. Grossed up 15%.
Deductions and tax paid
To see your refund or the balance you owe.
An estimate for a full 2026 tax year at a steady pay rate. Your payslips may differ a little; your tax return settles the exact amount.
Payslip: year, month, 2 weeks and week
Turn your phone sideways to see the weekly column.
| Line | Year | Month | 2 weeks | Week |
|---|
Every province and territory compared
The same income in each place, 2026.
| Where | Income tax | Take-home a year | Average |
|---|
How your take-home pay is worked out
Income → minus deductions → federal tax minus credits → provincial tax → minus CPP and EI.
- 1
Taxable income
$75,000 income
− $727 deductions
= $74,273 - 2
Federal tax
$11,421.97 by band
− $3,163.37 credits
= $8,258.60 - 3
Ontario tax
$3,696.06 after credits
+ $750 health premium
= $4,446.06 - 4
Take-home pay
− $12,704.66 tax
− $5,369.52 CPP, EI
= $56,925.82
$4,743.82 a month
Read more: the formula, a worked example, the 2026 rates for every province and what's not included
In Canada you pay two income taxes on the same taxable income: federal tax to the Government of Canada and provincial or territorial tax to the place you lived on 31 December 2026. Both use bands (brackets) that go up as your income rises, and both are reduced by non-refundable tax credits such as the basic personal amount. Employees also pay CPP (QPP in Quebec) and EI premiums from each paycheque. The CRA collects everything except Quebec tax, which goes to Revenu Québec.
The formula
total income = employment + self-employment + other income + half of capital gains + dividends × gross-up
taxable income = total income − RRSP − other deductions − enhanced CPP (and the employer half if self-employed)
federal tax = tax by federal bands − 14% × (basic personal amount + Canada employment amount + base CPP + EI) − dividend tax credit
provincial tax = tax by provincial bands − lowest provincial rate × (provincial basic amount + base CPP + EI) − dividend credit, plus any surtax or premium
take-home = all income − federal tax − provincial tax − CPP − EI
Worked example
A salary of $75,000 a year in Ontario, nothing else.
CPP and EI: CPP is 5.95% × ($74,600 − $3,500) = $4,230.45, CPP2 is 4% × ($75,000 − $74,600) = $16, and EI is 1.63% × $68,900 = $1,123.07.
Taxable income: the enhanced part of CPP (1% × $71,100 = $711) and all of CPP2 ($16) are deducted: $75,000 − $727 = $74,273.
Federal tax: 14% × $58,523 = $8,193.22, plus 20.5% × $15,750 = $3,228.75, so $11,421.97. Credits: 14% × ($16,452 basic + $1,501 employment + $3,519.45 base CPP + $1,123.07 EI = $22,595.52) = $3,163.37. Federal tax = $8,258.60.
Ontario tax: 5.05% × $53,891 = $2,721.50, plus 9.15% × $20,382 = $1,864.95, so $4,586.45. Credits: 5.05% × ($12,989 + $3,519.45 + $1,123.07 = $17,631.52) = $890.39, leaving $3,696.06. That is below the $5,818 surtax line, so no surtax. The Ontario Health Premium at $74,273 of taxable income is $750. Ontario tax = $4,446.06.
Take-home: $75,000 − $8,258.60 − $4,446.06 − $4,246.45 − $1,123.07 = $56,925.82 a year, which is $4,743.82 a month, $2,189.45 every two weeks or $1,094.73 a week. Income tax is 16.9% of your pay (24.1% with CPP and EI). Your marginal income tax rate is 29.65% (20.5% federal + 9.15% Ontario).
Federal tax brackets, 2026
| Taxable income | Rate |
|---|---|
| $0 to $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% |
Basic personal amount $16,452 (falling to $14,829 between $181,440 and $258,482 of net income). Canada employment amount $1,501. Credits are worked out at 14%. Quebec residents get 16.5% off their basic federal tax (the Quebec abatement).
Provincial and territorial brackets, 2026
| Where | Basic amount | Rates on taxable income |
|---|---|---|
| Alberta | $22,769 | 8% $0 to $61,200; 10% $61,200 to $154,259; 12% $154,259 to $185,111; 13% $185,111 to $246,813; 14% $246,813 to $370,220; 15% over $370,220 |
| British Columbia | $13,216 | 5.6% $0 to $50,363; 7.7% $50,363 to $100,728; 10.5% $100,728 to $115,648; 12.29% $115,648 to $140,430; 14.7% $140,430 to $190,405; 16.8% $190,405 to $265,545; 20.5% over $265,545 |
| Manitoba | $15,780 | 10.8% $0 to $47,564; 12.75% $47,564 to $101,200; 17.4% over $101,200 |
| New Brunswick | $13,664 | 9.4% $0 to $52,333; 14% $52,333 to $104,666; 16% $104,666 to $193,861; 19.5% over $193,861 |
| Newfoundland and Labrador | $11,288 | 8.7% $0 to $44,678; 14.5% $44,678 to $89,354; 15.8% $89,354 to $159,528; 17.8% $159,528 to $223,340; 19.8% $223,340 to $285,319; 20.8% $285,319 to $570,638; 21.3% $570,638 to $1,141,275; 21.8% over $1,141,275 |
| Nova Scotia | $11,979 | 8.79% $0 to $30,995; 14.95% $30,995 to $61,991; 16.67% $61,991 to $97,417; 17.5% $97,417 to $157,124; 21% over $157,124 |
| Northwest Territories | $18,198 | 5.9% $0 to $53,003; 8.6% $53,003 to $106,009; 12.2% $106,009 to $172,346; 14.05% over $172,346 |
| Nunavut | $19,659 | 4% $0 to $55,801; 7% $55,801 to $111,602; 9% $111,602 to $181,439; 11.5% over $181,439 |
| Ontario | $12,989 | 5.05% $0 to $53,891; 9.15% $53,891 to $107,785; 11.16% $107,785 to $150,000; 12.16% $150,000 to $220,000; 13.16% over $220,000 |
| Prince Edward Island | $15,000 | 9.5% $0 to $33,928; 13.47% $33,928 to $65,820; 16.6% $65,820 to $106,890; 17.62% $106,890 to $142,520; 19% $142,520 to $200,000; 20% over $200,000 |
| Quebec | $18,952 | 14% $0 to $54,345; 19% $54,345 to $108,680; 24% $108,680 to $132,245; 25.75% over $132,245 |
| Saskatchewan | $20,381 | 10.5% $0 to $54,532; 12.5% $54,532 to $155,805; 14.5% over $155,805 |
| Yukon | same as federal | 6.4% $0 to $58,523; 9% $58,523 to $117,045; 10.9% $117,045 to $181,440; 12.8% $181,440 to $500,000; 15% over $500,000 |
- Ontario: surtax of 20% of Ontario tax over $5,818 plus 36% over $7,446; the Ontario tax reduction (up to $300) cuts tax for lower incomes; the Ontario Health Premium is $0 to $900 depending on taxable income.
- British Columbia: the BC tax reduction takes up to $575 off, shrinking by 3.56% of net income over $25,570.
- Manitoba: the basic personal amount shrinks to nothing between $200,000 and $400,000 of net income.
- Quebec: you file a separate Quebec return. The deduction for workers (6% of employment income, up to $1,450) lowers Quebec taxable income. QPP, EI and QPIP get no separate Quebec credit.
- Yukon: uses the federal basic personal amount and gives the Canada employment amount too.
CPP, QPP, EI and QPIP, 2026
| What | Employee rate and limit |
|---|---|
| CPP | 5.95% of earnings from $3,500 to $74,600 (max $4,230.45); self-employed 11.9% |
| CPP2 | 4% of earnings from $74,600 to $85,000 (max $416); self-employed 8% |
| QPP (Quebec) | 6.3% from $3,500 to $74,600, plus QPP2 4% to $85,000 |
| EI | 1.63% of insurable earnings up to $68,900 (max $1,123.07); Quebec 1.3% |
| QPIP (Quebec) | 0.43% of earnings up to $103,000 |
The base part of your CPP (4.95 of the 5.95 points) and your EI get a tax credit; the enhanced part of CPP and all of CPP2 are deducted from your income instead. If you're self-employed you also deduct the employer half.
Capital gains and dividends
50% of a capital gain is taxable. Eligible dividends are grossed up by 38% and get a federal credit of 15.0198% of the grossed-up amount; non-eligible dividends are grossed up by 15% with a federal credit of 9.0301%. Each province adds its own dividend tax credit.
For general information, not tax advice. It works out a full 2026 tax year for a resident of one province on 31 December. It doesn't include the age amount, spouse or dependant credits, disability, tuition, medical or donation credits, the pension income amount, alternative minimum tax, the federal top-up credit, other provinces' low-income reductions, refundable benefits (GST/HST credit, Canada Workers Benefit, Canada Child Benefit), OAS clawback, optional EI or QPIP for the self-employed, or Quebec's Health Services Fund contribution. Rates come from the Canada Revenue Agency (canada.ca), Revenu Québec and the provincial finance ministries.
Common questions
How much tax do I pay on $75,000 in Ontario in 2026?
On a $75,000 salary in Ontario with no RRSP or other income, this calculator works out $8,258.60 of federal tax and $4,446.06 of Ontario tax (including the $750 Ontario Health Premium), plus $4,246.45 of CPP and CPP2 and $1,123.07 of EI. That leaves $56,925.82 a year, or about $4,743.82 a month.
What are the federal tax brackets for 2026?
For 2026 the federal rates are 14% on taxable income up to $58,523, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above that. The basic personal amount is $16,452, falling to $14,829 for incomes above $258,482. Your province or territory adds its own tax on top.
How much CPP and EI will I pay in 2026?
Employees pay 5.95% CPP on earnings between $3,500 and $74,600 (up to $4,230.45), plus 4% CPP2 on earnings between $74,600 and $85,000 (up to $416). EI is 1.63% of earnings up to $68,900, a maximum of $1,123.07. In Quebec you pay QPP, a lower EI rate and QPIP instead. Self-employed people pay both halves of CPP.
How are capital gains and dividends taxed in Canada?
Only half of a capital gain is added to your income, so it is taxed at half your usual rate. Eligible dividends from Canadian companies are grossed up by 38% and then get a federal dividend tax credit of 15.0198% of the grossed-up amount, plus a provincial credit, which is why they are taxed less than salary.
How much tax does an RRSP contribution save?
An RRSP contribution comes off your taxable income, so it saves tax at your marginal rate. In Ontario, $5,000 into an RRSP on a $100,000 salary saves about $1,508 of income tax. It doesn't lower CPP or EI. Your room is 18% of last year's earned income, up to $33,810 for 2026, plus unused room.
Why is Quebec income tax different?
Quebec runs its own income tax, which you file with Revenu Québec, and its rates are higher (14% to 25.75%). To make up for it, Quebec residents get 16.5% off their basic federal tax (the Quebec abatement). Quebec workers also pay QPP instead of CPP, QPIP for parental leave, and a lower EI rate.
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