Canada Income Tax Calculator 2026: Federal and Provincial Tax
Estimate your Canadian take-home pay after federal tax, provincial tax, CPP and EI, using 2026 brackets. All provinces and territories. Free and private.
Last updated: June 2026
Provincial rates for this province are an approximate estimate. Verify with CRA for exact figures.
Take-home pay
- Net pay (annual)
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- Monthly
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Federal plus provincial, in one number
Canadian tax stacks two layers: federal tax that is the same across the country, and provincial tax that varies a lot by where you live. This Canada income tax calculator adds both, subtracts CPP and EI, and shows your take-home pay per year and per month for 2026.
Federal tax for 2026 begins at 14% on the first $58,523 of taxable income, then rises through 20.5%, 26%, 29% and 33%. The Basic Personal Amount of $16,452 is applied as a credit so the first slice of income is effectively untaxed. On top of that, your province adds its own brackets, which is why someone in Alberta keeps more of a high salary than someone in Quebec. Ontario, British Columbia, Alberta and Quebec use full 2026 brackets here; other provinces use an approximate rate.
CPP and EI come out of every paycheque too. CPP is 5.95% of earnings between $3,500 and about $71,300, and EI is roughly 1.64% of insurable earnings up to about $65,700. The best way to cut your tax is an RRSP contribution, which is deductible, while a TFSA shelters growth tax-free. Everything here runs privately in your browser.
Disclaimer: Federal and provincial tax calculations are estimates. Ontario, BC, Alberta and Quebec use full brackets; other provinces use an approximate rate. Quebec residents file a separate provincial return. CPP and EI figures are approximate for 2026. Consult CRA or a tax professional for exact calculations. Full disclaimer.
How it works
Three quick steps โ no account, nothing uploaded to a server.
Enter your income
Type your annual gross income in Canadian dollars.
Pick your province
Choose your province or territory of residence.
See your take-home
Get federal, provincial, CPP and EI with net pay.
Related reading
Rates and rules on this page are verified against Canada Revenue Agency (CRA). Last checked July 2026.
FAQ
Frequently asked questions
How is income tax calculated in Canada for 2026?
You pay both federal and provincial income tax. Federal tax for 2026 starts at 14% on the first $58,523 of taxable income, then 20.5%, 26%, 29% and 33% on higher bands. Your province adds its own brackets on top. A Basic Personal Amount, $16,452 federally, is given as a credit so the first slice of income is effectively tax-free. This calculator stacks federal and provincial tax and subtracts CPP and EI to show your take-home pay.
What is the federal Basic Personal Amount for 2026?
The federal Basic Personal Amount for 2026 is $16,452. It works as a non-refundable tax credit equal to the amount times the lowest federal rate of 14%, which reduces your federal tax. It begins to phase down for very high incomes above roughly $177,000. Each province also has its own Basic Personal Amount applied the same way against provincial tax.
What are CPP and EI on my paycheque?
CPP is the Canada Pension Plan contribution, 5.95% of earnings between $3,500 and the 2026 ceiling of about $71,300, capping near $4,034. EI is Employment Insurance, about 1.64% of insurable earnings up to roughly $65,700, capping near $1,078. Both are deducted from your pay. Quebec uses the Quebec Pension Plan and a lower EI rate plus QPIP, so figures there differ slightly.
Why did the lowest federal rate drop to 14%?
The federal government cut the lowest income tax bracket from 15% to 14%. The change took effect partway through 2025, giving a blended 14.5% rate for that year, and applies in full at 14% for 2026. It saves individuals up to about $420 a year. This calculator uses the full-year 2026 rate of 14%.
How accurate are the provincial figures?
Ontario, British Columbia, Alberta and Quebec use full 2026 provincial brackets in this calculator. Other provinces and territories use an approximate provincial rate, so treat those as a ballpark. The tool also does not model RRSP deductions, tax credits beyond the Basic Personal Amount, or the CPP2 additional contribution. For exact figures, check CRA or a tax professional.
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