Canadian Income Tax Calculator
Canadian Income Tax Calculator
Estimate your federal and provincial income tax under the 2026 tax brackets.
Canada's income tax system combines federal tax with a separate provincial or territorial tax, each with its own progressive brackets and basic personal amount — which is why take-home pay can differ noticeably between provinces at the same salary. This calculator estimates your federal and provincial income tax, marginal rate, and after-tax income under the 2026 tax brackets.
How This Calculator Works
The calculator applies the 2026 federal progressive tax brackets to your income, then applies your selected province or territory's own brackets and basic personal amount on top. Each is calculated using marginal (bracket-by-bracket) rates — not a single flat rate on your entire income — which is how the Canada Revenue Agency and every province actually calculate tax owed.
This estimate doesn't account for RRSP contributions, other deductions and credits (medical expenses, charitable donations, etc.), or provincial surtaxes that apply in a few provinces at very high income levels — it's a reference estimate, not a tax return.
Frequently Asked Questions
What's the difference between my marginal tax rate and my average tax rate?
Your marginal rate is the rate applied to your next dollar of income — the top bracket you're in. Your average (or effective) rate is your total tax divided by your total income, which is always lower than your marginal rate because lower brackets are taxed at lower rates.
Why does my take-home pay differ from someone earning the same salary in another province?
Because federal tax is the same everywhere, but each province and territory sets its own tax brackets and basic personal amount on top of it — provinces with lower brackets or a higher basic personal amount leave you with more after-tax income at the same salary.
Does this calculator include CPP and EI deductions?
No — this estimates income tax only. CPP (Canada Pension Plan) and EI (Employment Insurance) premiums are separate payroll deductions calculated on their own contribution rates and annual maximums, and aren't included in this result.
How can I lower the income tax I owe?
The most common levers are contributing to an RRSP (which reduces your taxable income) and claiming eligible deductions and credits — medical expenses, charitable donations, tuition, and others. Try the RRSP calculator on this site to see how a contribution would affect your refund.