Canada Income Tax Calculator 2026
Federal + Provincial Income Tax, CPP, EI & RRSP/FHSA Refund
Enter Your Income
Income taxed as ordinary income, not capital gains.
Examples: dividends, interest, rental income, pension income, EI benefits, self-employment/freelance income, alimony received
Annual limit is 18% of prior year income or $32,490 (2026), whichever is lower. Unused room carries forward.
FHSA: $8,000/year + up to $8,000 carry-forward from unused room (max $16,000/year). First-time home buyers only.
Profit from selling capital property, not ongoing income.
Examples: stocks, ETFs, mutual funds, crypto, or property sale profits (e.g., selling a house or land)
Enter the profit (gain), not the total sale price
Starting in 2026, capital gains above $250,000 are included in taxable income at 66.67% instead of 50%.
Gross Income
$80,000
Total Tax + Deductions
$20,225
Net Income (Take-home)
$59,775
$4,981 /mo
Effective Tax Rate
25.28%
Effective tax rate is the percentage of your total income that you actually pay in taxes. For example, if you earn $100,000 and pay $25,000 in taxes, your effective rate is 25%. Unlike the marginal rate, it represents your average tax burden across all income.
Marginal Tax Rate
The rate on your next dollar of income
28.20%
Fed 20.50% + Prov 7.70%
Tax Bracket Visualization
Federal Tax Brackets
British Columbia Tax Brackets
Tax Composition
View Detailed Breakdown
Federal 20.50% + Prov. 7.70%
Disclaimer
This calculator is for reference only and does not guarantee accurate tax calculations. Actual tax situations may vary depending on various deductions and credits. For accurate tax calculations, please consult CRA official tools or a tax professional.
Related tax guides
Turn the calculator result into filing, bracket, and deduction decisions.
Canada Tax Brackets 2026: Federal & Provincial Rates
2026 Canadian tax brackets at a glance - federal rates 14%-33%, all 13 provincial rates, how marginal tax works, and 5 legal strategies to pay less tax.
File Your Canadian Taxes in 2026: Free Step-by-Step
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Other Tools
Tax Calculator: how it works
Based on 2026 federal and provincial/territorial income tax brackets and standard credits published by the Canada Revenue Agency (CRA).
What this calculator does
This tool estimates your Canadian income tax and take-home pay for the 2026 tax year. Enter your employment income and province or territory, and it applies the federal and provincial tax brackets, the basic personal amount, and common payroll deductions to show your estimated tax, marginal rate, and net pay. You can also model how RRSP or FHSA contributions reduce your tax and increase your refund.
Who should use this
It is for employees, workers on a working-holiday or study permit, newcomers, and anyone who wants a quick, plain-language estimate of how much tax they owe or how large a refund to expect. It is also helpful when comparing job offers across provinces, since take-home pay can differ noticeably between regions.
How to read your results
The result shows your total tax, average and marginal tax rates, and estimated annual and monthly take-home pay. A higher marginal rate means each extra dollar earned is taxed more, which is why an RRSP or FHSA contribution can produce a meaningful refund. Use the scenario comparison to see the after-tax difference between two incomes, provinces, or contribution amounts side by side before you file.
Limitations and official sources
This is a simplified estimate and is not tax advice. It does not cover every credit, deduction, benefit clawback, self-employment or investment income situation, and provincial surtaxes may apply in some regions. Your actual assessment depends on your full return. Confirm rates and rules with the Canada Revenue Agency or a qualified tax professional.
Official sources