Canada income tax and take home pay calculators for 2026

What changed this year

The lowest federal rate is 14% for 2026, on taxable income up to CA$ 58,523. The rate was cut part way through 2025, so it worked out at 14.5% for that year. The same 14% now applies to the federal credits for the basic personal amount, the Canada employment amount, base CPP contributions and EI premiums.

The federal brackets rose by 2.0% for inflation: 20.5% starts above CA$ 58,523, 26% above CA$ 117,045, 29% above CA$ 181,440 and 33% above CA$ 258,482. The basic personal amount is CA$ 16,452 up to net income of CA$ 181,440, falling to CA$ 14,829 at CA$ 258,482, and the Canada employment amount is CA$ 1,501.

CPP takes 5.95% of pay between CA$ 3,500 and CA$ 74,600, at most CA$ 4,230.45, and CPP2 takes 4% of pay from there to CA$ 85,000, at most CA$ 416. EI is 1.63% of pay up to CA$ 68,900, at most CA$ 1,123.07. A Quebec employee pays QPP at 6.3% (at most CA$ 4,479.30), QPIP at 0.43% (at most CA$ 442.90) and EI at 1.3% in their place.

Three provinces changed their figures in July 2026. British Columbia raised its lowest rate to 5.6% and its tax reduction to CA$ 690 for the year, Newfoundland and Labrador raised its basic personal amount to CA$ 13,094, and Prince Edward Island added a 20% rate above CA$ 200,000. Manitoba kept its brackets at CA$ 47,000 and CA$ 100,000, and the Nova Scotia basic personal amount no longer falls as income rises.

Ontario indexed its brackets, so 9.15% now starts above CA$ 53,891, and its surtax thresholds are CA$ 5,818 and CA$ 7,446 of basic Ontario tax. The LIFT credit of up to CA$ 875 can clear basic Ontario tax at lower incomes, and the calculators show it on its own line.

The RRSP dollar limit for 2026 is CA$ 33,810. New room each year is 18% of the previous year's earned income up to that limit, plus any room left unused from earlier years.

The pack is checked again when the CRA and Revenu Quebec publish the 2027 figures, with the next review due by 20 November 2026.

Choosing a tool

Which Canada tool answers your question

The income tax and take home pay calculators read the same 2026 rates files, so a salary typed into either gets the same federal tax, provincial tax and contributions. They differ in the figure they put first and in what they let you add.

Canada income tax calculator. It starts from a yearly salary and lays out federal and provincial tax bracket by bracket, with the credits, the Ontario surtax and health premium where they apply, and the marginal rate. Every province and territory has its own page of it, linked from this page.

Canada take home pay calculator. It shows the pay left every two weeks, each month or each week after income tax, CPP or QPP and EI, and an RRSP or workplace pension contribution can come off before tax is worked out.

Canadian mortgage calculator. It works out the payment on a home bought in Canada, checks the minimum down payment, adds the CMHC premium when less than 20% is put down, follows the Home Start rule for 30 years, and shows accelerated biweekly payments and the stress test rate.

RRSP tax savings calculator. It runs the year twice on the same rates files, without and with an RRSP contribution, and shows the income tax saved in any province, what the contribution costs after the saving, and whether it passes 18% of the income or the 2026 limit.

CPP, CPP2 and EI in 2026. The guide follows a 90,000 salary month by month to show why the deductions stop in the autumn and start again in January.

The figures follow the CRA payroll method for a full year of employment income from one job. Quebec is shown as its payroll deductions, so the items of the Quebec return are left out.

Credits that exist only on the return, apart from Ontario's LIFT credit, are not included, so a tax return can show a different amount from the one here.