Canadian income tax calculator
Federal and provincial tax, CPP and EI for every province and territory. It all runs in your browser.
I earn a year in .
Type your yearly salary to see your take-home pay.
Deductions
Contributions you can deduct lower your taxable income.
Your limit is 18% of last year's earned income, up to $33,810, plus any unused room on your notice of assessment.
First Home Savings Account: up to $8,000 a year, plus up to $8,000 of unused room from last year.
Side business, investments, rental or pension income.
Your return will appear here, line by line.
Each amount is tagged with the CRA line or T4 box it comes from, so you can check it against your own slips.
Estimates for a single person under 65 with no dependants, using 2026 rates. Includes the basic personal amount, Canada employment amount, CPP/QPP and EI credits, the dividend tax credit, provincial surtaxes, health premiums and low-income reductions. It doesn't include other credits such as tuition, medical expenses, donations or amounts for a spouse or dependants. Your numbers stay in your browser. Read the disclaimer.
How Canadian income tax is calculated
You pay two income taxes: federal tax and tax to your province or territory. Both are progressive, so each rate only applies to the slice of income inside its bracket. Before tax is calculated, deductions such as RRSP and FHSA contributions and the enhanced part of your CPP contributions come off your income. After it's calculated, non-refundable credits are subtracted, starting with the basic personal amount, the Canada employment amount and credits for your CPP and EI contributions.
On top of income tax, employees pay CPP (QPP in Quebec) and EI premiums through payroll. This calculator includes all of these, along with Ontario's surtax and health premium, Quebec's federal abatement, and the low-income tax reductions several provinces offer.
2026 federal tax brackets
| Taxable income | Federal rate |
|---|---|
| Up 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% |
The lowest rate is 14%. The federal basic personal amount is $16,452, reduced gradually to $14,829 once net income passes $181,440. Credits are worth 14% of the amount claimed. For provincial brackets, see the 2026 tax data reference or your province's calculator.
Frequently asked questions
How much tax do I pay on $75,000 in Canada?
On $75,000 of employment income in Ontario in 2026, you pay about $8,259 in federal tax, $4,446 in Ontario tax (including the Ontario Health Premium) and $5,370 in CPP and EI. That's $18,074 in total, leaving $56,926 of take-home pay, an average rate of 24.1%.
Which province has the lowest income tax?
It depends on your income. At a $75,000 salary in 2026, take-home pay is highest in Nunavut ($58,819) and lowest in Nova Scotia ($53,423), a gap of $5,396. Use "Compare all provinces" in the calculator to rank them at your own income.
What's the difference between my average and marginal tax rate?
Your average rate is all the tax and contributions you pay divided by your income. Your marginal rate is the tax on your next dollar of income, which is what a raise, a bonus or an RRSP deduction is taxed or saved at. Because brackets only apply to the income inside them, moving into a higher bracket never lowers your take-home pay.
Is my information sent anywhere?
No. The calculator runs in your browser. Nothing you type is sent to our server or anyone else.