Income tax calculator 2026
Federal and provincial income tax, CPP and EI for the 2026 tax year, and your refund or balance owing. Every province and territory except Quebec.
Want this number lower?
The Lower My Tax report takes these numbers, tests every legal way to cut the bill, and shows the saving of each in dollars, with what to do and by when.
The short version
- Pick your province, enter your income, and the calculator works out your 2026 federal and provincial income tax, CPP and EI, your average rate and the tax on your next $100.
- It uses the 2026 brackets, the basic personal amount, the Canada employment amount, Ontario's surtax and Health Premium, and B.C. and Ontario tax reductions.
- Example: a $75,000 salary in Ontario pays about $12,705 of income tax, plus about $5,370 of CPP and EI. The average rate is 16.9%; the next $100 costs $29.65.
- Enter what was deducted at work (T4 box 22) and it shows your likely refund or balance owing.
- Every result has a "Show the math" table, so you can check each line.
Canadian Income Tax Calculator 2026
Most people know their salary to the dollar and their tax to the nearest "a lot". This calculator closes that gap. It runs your numbers through the same 2026 rules CRA's payroll formulas use, for every province and territory except Quebec, and shows each step instead of a single number you have to take on faith.
How It Works
Your taxable income runs through the 2026 federal brackets (14%, 20.5%, 26%, 29% and 33%) and your province's brackets; see 2026 tax brackets. Then the basic personal amount, the Canada employment amount, and your CPP and EI contributions come off as credits. Ontario adds its surtax and the Ontario Health Premium; B.C. and Ontario take off their tax reductions.
Half of a capital gain is taxable. RRSP contributions come off your income before tax is worked out. The enhanced part of CPP and all of CPP2 are deductions, not credits, so they lower your taxable income a little; see CPP and EI deductions.
Want the numbers explained for your situation?
Tell the assistant your income sources, province and family. It runs the calculator, then explains which credits you're missing and what would lower the bill.
Average Rate and the Tax on Your Next $100
The average rate is your income tax divided by your total income. The tax on your next $100 (your marginal rate) is what matters for decisions like an RRSP contribution or a raise: it's the share of the next dollar you earn that goes to tax. More on marginal tax rate. Comparing provinces? Use the province comparison calculator.
What It Leaves Out
- Dividends, and credits for age, pension income, disability, medical expenses, tuition, donations and children. For retirees, the retirement income calculator adds the age and pension amounts and the OAS clawback.
- Some low-income credits, so the real tax under about $35,000 may be lower.
- Quebec, which has its own return.
For take-home pay per cheque, use the salary calculator; for a refund estimate from your slips, the tax refund calculator; for self-employment, the self-employed tax calculator.
Income Tax Calculator Questions
How much income tax will I pay in Canada in 2026?
It depends on your income and province. For example, a $75,000 salary in Ontario pays about $12,705 of federal and provincial income tax in 2026, plus CPP and EI. Enter your own numbers above for your province.
Does this calculator include CPP and EI?
Yes. It shows CPP, CPP2 and EI separately from income tax, and counts the credits and deductions they create.
Is the calculator updated for 2026?
Yes. It uses the 2026 federal and provincial brackets, basic personal amounts and CPP and EI rates, including mid-year provincial changes announced in 2026.
What is the difference between my average and marginal tax rate?
The average rate is your total income tax divided by your income. The marginal rate is the tax on your next dollar of income, which is what matters for raises, overtime and RRSP decisions.
Does the calculator work for Quebec?
No. Quebec residents file a separate provincial return with Revenu Quebec, so the results would not be accurate.
Sources: CRA, Tax rates and brackets; CRA, T4127 Payroll deductions formulas, July 2026. Checked October 2026. Estimates only, based on the 2026 rules as last checked. CanadianTaxes.ai is not the Canada Revenue Agency and does not give tax advice.
Last reviewed October 5, 2026 against CRA and Government of Canada sources. How we check our facts.
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