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    Tax Calculator

    🇨🇦 Canada version

    In Canada, a pay cheque is cut by federal tax, a provincial or territorial tax that depends on where you live, and pension and employment insurance contributions. This version applies the 2026 CRA figures for all thirteen provinces and territories, including Quebec's own pension plan and abatement, and shows each piece beside your take-home pay.

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    Income Tax Calculator

    Income tax and payroll taxes for Canada, tax year 2026. Change the country in the header to use another country's rules.

    Your income

    $

    Where you live on December 31, 2026 (where you work, for payroll). Quebec uses QPP and QPIP and has its own tax return.

    Tax breakdown

    Gross a year
    $75,000.00
    Taken off a year
    $18,074.18
    Take-home a year
    $56,925.82
    Effective / marginal rate
    24.1% / 32.5%
    ItemAmount a yearShare of gross
    Federal basic personal amount (tax-free)$16,452.00
    CPP additional contributions and CPP2 (deducted before tax)$727.00
    Federal income tax
    Bands show tax before credits ($11421.97). Non-refundable credits at 14% of the basic personal amount ($16452), the Canada employment amount, CPP base contributions and EI come off this: $3163.37.
    Band by band
    • 14% on $58,523.00 = $8,193.22
    • 20.500% on $15,750.00 = $3,228.75
    		$8,258.6011%
    Ontario provincial income tax
    Bands show tax before credits ($4586.45). Credits at 5.05% of the basic personal amount ($12989), CPP base contributions and EI: $890.39.
    Band by band
    • 5.050% on $53,891.00 = $2,721.50
    • 9.150% on $20,382.00 = $1,864.95
    		$3,696.064.9%
    Ontario Health Premium
    Set by taxable income, from $0 up to $900 a year.
    		$750.001%
    CPP contributions (base 4.95% plus first additional 1%)
    On earnings from $3,500 to $74,600. The 4.95% base part is a credit; the 1% additional part is deducted from income.
    		$4,230.455.6%
    CPP2 (second additional contribution)
    4% on earnings from $74,600 to $85,000. Deducted from income.
    		$16.000%
    Employment Insurance (1.63%)
    On insurable earnings up to $68,900.
    		$1,123.071.5%
    • Tax year 2026 (calendar year). All income is treated as employment income earned in the province or territory chosen.
    • Only the basic personal amount, the Canada employment amount and CPP base, EI credits are applied. The CPP additional contributions and CPP2 are deducted from income, as CRA describes.
    • Ontario: the Ontario Health Premium and surtax are shown separately and are included in total tax.

    Results are estimates for tax year 2026 and do not replace the official calculator or guidance from the tax authority (for example: CRA: T4127 Payroll Deductions Formulas, 123rd edition, effective July 1, 2026).

    🇨🇦 Canada, tax year 2026 (1 January to 31 December 2026)

    Official sources
    Not covered
    • Only the basic personal amount, the Canada employment amount, and the CPP/QPP base, EI and QPIP credits are modelled. Other credits such as age, pension income, disability, tuition, medical, charitable, spouse and dependant amounts are not.
    • RRSP contributions are only a plain deduction from income that you enter. The contribution limit, FHSA deductions, employer pension plans, union dues and other deductions are not checked or modelled.
    • The tool treats all income as employment income. Capital gains, dividends, interest, self-employment income and the Alternative Minimum Tax are not covered.
    • Provincial low-income and family credits, rebates and benefits are not modelled, including the Canada Workers Benefit, the Ontario Trillium Benefit, the Quebec solidarity credit and the GST/HST credit. Provincial tax reductions are modelled only for Ontario and British Columbia.
    • Provincial credits for CPP/QPP base contributions and EI premiums are applied at the lowest provincial rate, as in the CRA payroll formulas. Alberta credits above $61,200 of claim amounts, which the CRA formulas value at a higher rate, do not arise with the amounts used here.
    • Quebec: the worker deduction is taken on gross pay up to its maximum. The 14% credit rate Quebec applies to its basic personal amount and to the QPP, EI and QPIP credits could not be read on an official page and is set to the lowest Quebec rate. Quebec contributions that employees may also pay, such as the Health Services Fund, are not modelled.
    • Employer costs include CPP/QPP, CPP2/QPP2, EI and QPIP only. The Quebec Health Services Fund, CNESST, the Commission des normes contribution, workers' compensation premiums, and provincial payroll taxes such as the Ontario Employer Health Tax, the BC Employer Health Tax, the Manitoba Health and Post-Secondary Education Tax Levy and the Newfoundland and Labrador health and post-secondary education tax are not included.
    • Yukon: the basic personal amount follows the federal phase-down range, as the CRA payroll formulas state (BPAYT equals the federal amount).
    • The Manitoba and Prince Edward Island figures follow the CRA payroll tables. The CRA web rate page lists slightly different Manitoba thresholds ($47,564 and $101,200); the payroll tables and formulas, which say Manitoba amounts were not indexed from 2025, were used instead.
    • Prince Edward Island uses the full-year 2026 rate of 20% above $200,000 shown on the CRA rate page; the payroll table shows the prorated 21% rate for withholding in the second half of 2026.
    • Non-residents, part-year residents, people with more than one employer, and people over the age where CPP or EI no longer apply are not covered. CPP, QPP and EI are charged on all earnings up to their yearly limits.
    • Sales tax rates are the standard rates only. Zero-rated and exempt goods (basic groceries, for example) and provincial point-of-sale rebates are not modelled.

    Canada rules and figures

    • Federal tax for 2026 starts at 14% on the first $58,523. After that come 20.5% up to $117,045, then 26% up to $181,440, then 29% up to $258,482, and finally 33%.
    • The federal basic personal amount is $16,452, reduced toward $14,829 for net income between $181,440 and $258,482.
    • CPP contributions are 5.95% of earnings between the $3,500 exemption and the $74,600 maximum, plus 4% on the next slice up to $85,000.
    • Employment Insurance premiums are 1.63% of insurable earnings up to $68,900, and an employer pays 1.4 times the employee amount.
    • Quebec residents pay QPP at 5.3% base plus 1%, and the federal tax is cut by a 16.5% Quebec abatement.
    • The Canadian tax year used here is the calendar year, 1 January to 31 December 2026.

    Sources: CRA: Tax rates and income brackets for the 2026 tax return (checked 2026-11-08); CRA: Adjustment of personal income tax and benefit amounts (checked 2026-11-08); CRA: CPP contribution rates, maximums and exemptions (checked 2026-11-08); CRA: EI premium rates and maximums (checked 2026-11-08); Department of Finance Canada: Quebec Abatement (checked 2026-11-08)

    How the tax calculator works

    Federal tax is charged by band and then reduced by non-refundable credits, mainly the basic personal amount. The province or territory you pick adds its own bands and credits. CPP or QPP, CPP2 and EI come off gross pay, and the additional CPP part and CPP2 also reduce taxable income.

    federal = Σ (income in band × rate) − 14% × credit amounts; provincial = Σ (income in band × rate) − credits; take-home = income − federal − provincial − CPP − CPP2 − EI

    • Federal bands for 2026 are 14%, 20.5%, 26%, 29% and 33%, with the first break at $58,523.
    • CPP is 5.95% on earnings between $3,500 and $74,600, and CPP2 is a further 4% from $74,600 to $85,000, a maximum of $416.
    • EI is 1.63% of earnings up to $68,900, or 1.30% in Quebec, where QPIP adds 0.430% on earnings up to $103,000.
    • Ontario adds a surtax and a health premium of up to $900. Quebec subtracts a 16.5% federal abatement and has a worker deduction of up to $1,450.

    How to use the tax calculator

    1. Enter your gross pay. Type your income for 2026 in Canadian dollars. It is treated as employment income earned in the place you choose next.
    2. Pick your province or territory. The province or territory picker sets the provincial bands, credits and, for Quebec, the pension plan. Ontario is the default.
    3. Read each deduction. The breakdown lists federal tax, provincial tax, CPP or QPP and EI separately. Open Band by band to see the income taxed at each rate.
    4. Confirm the sources. Official sources lists the CRA and provincial pages behind the figures. Copy summary saves a short text of the result.

    Example: $85,000 in Ontario, compared with Alberta and Quebec

    In Ontario, $85,000 gives federal tax of $10,226.60, Ontario tax of $4,574.46 and a health premium of $750. CPP is $4,230.45, CPP2 is $416 and EI is $1,123.07. In all $21,320.58 is taken off, an effective rate of 25.1%, leaving $63,679.42. The same pay in Alberta leaves $64,033.50, and in Quebec, with QPP, QPIP and the abatement, $60,763.82.

    When to use the tax calculator

    • Comparing provinces for a move. Keep the pay the same and change the province or territory to see how provincial tax changes take-home.
    • Checking a job offer. Enter the salary to see a yearly figure after federal tax, provincial tax, CPP and EI.
    • Seeing the CPP2 effect. Try $74,000 and $85,000 to see CPP2 start above the $74,600 limit and stop at $85,000.
    • Understanding Quebec. Select Quebec to see QPP, QPIP, the worker deduction and the federal abatement listed as separate lines.

    What the tax calculator does not do

    • Only the basic personal amount, the Canada employment amount and CPP or QPP base, EI and QPIP credits are applied. Spouse, age, tuition, medical and other credits are not.
    • All income is treated as employment income. Capital gains, dividends, self-employment income and the Alternative Minimum Tax are not covered.
    • Provincial benefits and rebates, such as the Canada Workers Benefit and the Ontario Trillium Benefit, are not included.
    • Quebec's own credit rate could not be read on an official page, so the lowest Quebec rate is used for its credits.
    • Results are estimates for the 2026 tax year and do not replace the CRA's own tools.

    When something else is a better fit

    • When you want pay per cheque with RRSP and employer costs, use the Payroll Calculator.
    • When you are preparing a return with credits and other income, use CRA My Account or tax software.

    Questions about the tax calculator

    How much tax do I pay on $85,000 in Ontario?

    In 2026, federal tax is $10,226.60 and Ontario tax with its health premium is $5,324.46. With CPP, CPP2 and EI the total is $21,320.58, which leaves $63,679.42 a year.

    Why does Quebec show different deductions?

    Quebec runs its own pension plan and parental insurance. It pays QPP and QPIP instead of CPP, a lower EI rate, and its residents get a 16.5% abatement on federal tax.

    Is CPP counted as a tax here?

    It is counted as a deduction from pay, though it builds a pension. The base part is a credit and the additional part and CPP2 reduce taxable income.

    Which province is selected by default?

    Ontario. Use the province or territory picker to change it, and note the result updates the provincial bands, credits and any surtax or premium.

    Which year are the figures for?

    The 2026 calendar year, using CRA and provincial pages listed under the results with the date each was checked.