Home / Money / Tax and pay / Income tax / Canada taxTool #T759 (formerly #1725)

Canada income tax calculator 2026: take-home pay by province

Work out your 2026 federal and provincial income tax, CPP, EI and take-home pay for any province or territory, with your marginal and average tax rate.

Keep it one tap away for everyday use.

Bookmark Canada tax?

Press Ctrl + D now. Your browser opens its own bookmark box, where you choose the name and folder.

  1. Province
  2. Your income
  3. Tax and CPP
  4. Take-home
Nothing is uploadedWorks offline once open

Your income in 2026

Amounts are for the whole year, in Canadian dollars. Other income pays tax but no CPP or EI.

Take-home a year
A month
Every two weeks
Marginal / average rate
Where your money goes
    ItemA yearA month

    Estimate for 2026 using the basic personal amount, the Canada employment amount and CPP/EI credits only. It leaves out other credits (tuition, medical, donations, dependants), low-income reductions in most provinces, Alberta's supplemental credit and the Ontario Trillium benefit. Not financial or tax advice: check the official source (canada.ca, Revenu Québec) or a tax professional. Nothing you type leaves this page.

    What it does

    Pick your province or territory and type your yearly pay. The calculator works out your 2026 federal tax, provincial or territorial tax, Canada Pension Plan (CPP) contributions and Employment Insurance (EI) premiums, then shows what is left: your take-home pay for the year, the month and every two weeks. A bar shows where each dollar goes, and the table lists every amount. Everything is worked out in your browser.

    Once you know your take-home pay, plan where it goes with the budget planner, see how extra payments shrink a loan with the loan payoff planner, or compare with the UK tax calculator.

    How to use it

    1. Choose your province or territory: where you lived on 31 December.
    2. Type your employment income: salary, wages and bonuses before anything is taken off.
    3. Add other income such as interest, rental profit or a pension. It is taxed, but no CPP or EI is paid on it.
    4. Type any RRSP deduction you will claim. It lowers your taxable income.

    What each part means

    • Marginal rate: the tax on your next $100 of income. Use it to see what a raise or an RRSP contribution is worth.
    • Average rate: all income tax divided by your total income.
    • CPP2: the second extra CPP contribution, 4% on pay between $74,600 and $85,000.
    • Ontario: adds the surtax, the Health Premium and the low-income tax reduction.
    • Quebec: uses QPP instead of CPP, the lower EI rate, QPIP, the 16.5% federal abatement and Quebec’s own tax and deduction for workers.

    Worked example

    Priya lives in Ontario and earns $60,000. CPP is $3,361.75 and EI $978.00. Federal tax is $5,338.30. Ontario tax is $2,382.20 plus the $600 Health Premium. Her take-home pay is $47,339.75 a year, about $3,945 a month. Her marginal rate is 29.65% and her average rate 13.9%.

    FAQs

    Is this exactly what my employer takes off? Close, but payroll spreads the year over pay periods and your refund depends on credits this tool leaves out, such as tuition, donations and medical costs.

    Why did British Columbia’s rate change in July? BC raised its lowest rate to 5.6% for 2026, so payroll used a higher rate for the second half. This tool uses the yearly figures.

    Is anything saved? No. Nothing you type leaves the page. Not financial or tax advice; check the official source.

    Where the numbers come from

    • Federal, provincial and territorial brackets for 2026: CRA, Tax rates and brackets, current year, https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html (checked 2026-11-10)
    • Basic personal amounts, federal amount phase-out, Canada employment amount, Ontario surtax, BC tax reduction (annual $690, phase-out from $25,570 at 3.56%): CRA T4127 Payroll Deductions Formulas, 122nd edition (1 Jan 2026) and 123rd edition (1 Jul 2026), https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas.html (checked 2026-11-10)
    • Ontario Health Premium and tax reduction: CRA T4032-ON, January 2026, https://www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4032-payroll-deductions-tables/t4032on-jan/t4032on-january-general-information.html (checked 2026-11-10)
    • CPP 2026 (YMPE $74,600, YAMPE $85,000, 5.95% and 4%): ESDC, https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2026-quarterly-october-december.html (checked 2026-11-10)
    • EI 2026 (1.63%, 1.30% in Quebec, maximum insurable earnings $68,900): ESDC news release, https://www.canada.ca/en/employment-social-development/news/2025/09/canada-employment-insurance-commission-sets-the-2026-employment-insurance-premium-rate.html (checked 2026-11-10)
    • Quebec brackets, basic personal amount, deduction for workers, QPP and QPIP 2026: Revenu Québec, Principal changes for 2026, https://www.revenuquebec.ca/en/businesses/source-deductions-and-employer-contributions/employers-principal-changes-for-2026/ (checked 2026-11-10)
    • Newfoundland and Labrador basic personal amount $15,000: Budget 2026, https://www.gov.nl.ca/budget/2026/what-you-need-to-know/a-plan-for-lower-taxes/ (estimate: full-year effect not confirmed; checked 2026-11-10)

    Standard scientific values, such as constants, atomic weights and melting points, are facts found in every textbook; we name where ours were checked. If you are an author or publisher and want a value, a credit or a table changed or removed, tell us and we will act quickly.

    Last updated 2026-11-10.

    Change log for Canada tax

    1. Give the 31 new tools their #T codes (T735-T765) Details on GitHub
    2. Cross-link batch 1 tools both ways and add their share images Details on GitHub
    3. #1725 Canada tax: 2026 federal + provincial income tax, CPP/EI, take-home Details on GitHub

    Every change to fibub

    Related tools

    Budget planner #T10 Work out what a trip, project or event will cost and how much to save each month, or plan your monthly budget with weekly and yearly bills, and see your savings grow. Loan payoff planner #T11 Plan extra payments on a home, car or personal loan, as lump sums or regular top-ups, and see the interest you save and how much sooner you're debt-free. India tax #T760 Compare your FY 2026-27 income tax under the new and old regimes side by side: slabs, standard deduction, 87A rebate, surcharge and 4% cess, with 80C, 80D, HRA and home loan interest. UK tax #T761 Work out your 2026/27 Income Tax, National Insurance, student loan and pension, for England, Wales, Northern Ireland or Scotland, and see your take-home pay. Salary converter #T762 Convert between hourly, daily, weekly, biweekly, monthly and yearly pay before tax, with your hours, paid weeks and overtime. RRSP or TFSA #T770 Compare the same savings in an RRSP and a TFSA after tax, using your tax rate now and in retirement, and work out your 2026 TFSA and RRSP contribution room. FHSA #T771 Plan your First Home Savings Account: yearly contributions within the $8,000 and $40,000 limits, carry-forward, tax refunds, growth, and how it compares with the RRSP Home Buyers' Plan. CPP start age #T773 See your CPP from age 60 to 70 and your OAS from 65 to 70, the break-even age for waiting, lifetime totals and the 2026 OAS clawback on your income. Dividend calculator #T789 Work out dividend yield, yield on cost and yearly income from your shares, and project income and value over the years with dividend growth and reinvestment (DRIP). Capital gains #T790 Type your buys and sells and see the gain or loss on each sale and each year, using average cost (Canada's ACB) or first in first out, with an editable taxable share. Residency days #T812 List your trips and count the days in each country for a calendar, UK or Indian tax year, with 183-day markers and the US substantial presence test. US paycheck #T819 Work out your 2026 take-home pay per paycheck after federal income tax, Social Security, Medicare, 401(k), HSA and state tax, for any filing status and pay schedule.

    Also related: Medical expense tax helper, EI Calculator