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Tax Calculator Canada 2026
Estimate federal and provincial income tax, CPP, EI, and after-tax income across Canada using simplified current-year assumptions.
Your details
Estimated after-tax income
$62,251
Educational estimate only. Use official tax software, CRA guidance, or a tax professional before filing or planning around a number.
2026 assumptions
Uses the 2026 federal bracket cut, 2026 provincial and territorial brackets, basic personal amounts, CPP or QPP, EI or QPIP, and Ontario payroll-tax assumptions in this model.
Educational model
What is excluded
Credits, deductions, benefits, self-employment contributions, capital gains, dividends, and payroll benefits can change the real result.
Simplified
What you earned
Gross income$85,000
Income tax
Federal$11,318
Provincial or territorial$4,912
Ontario Health Premium$750
Total income tax$16,980
Payroll contributions
CPPRetirement contributions, not tax. They buy you a pension later.$4,646
EIEmployment insurance premiums.$1,123
What you keep
After-tax incomeGross income less all tax and payroll deductions.$62,251
Your rates
Average deduction rateShare of gross income lost to everything above.26.8%
Marginal income tax rateTax on your next dollar earned. This is the rate an RRSP contribution saves you.29.7%
What is an income-tax estimate?
Estimate Canadian federal tax, provincial tax, CPP, EI, and after-tax income using simplified 2026 assumptions. The calculator combines your income sources, subtracts the RRSP deduction you enter, applies simplified federal and provincial or territorial tax treatment, and reports the estimated after-tax amount. The output separates the main tax components so you can see what drives the result.
With the values entered, the calculator estimates estimated after-tax income of $62,251. This scenario uses province or territory set to Ontario, employment income of $85,000, other taxable income of no additional amount, and RRSP deduction of no additional amount. The supporting results show gross income of $85,000 and federal of $11,318, which makes the main drivers easier to compare. Educational estimate only. Use official tax software, CRA guidance, or a tax professional before filing or planning around a number. Use estimated after-tax income to compare planning scenarios, not to file a return. Review the federal and provincial portions together, then confirm credits, deductions, benefits, and final tax owing with CRA guidance, tax software, or a qualified tax professional.
Formula or decision method
Tax Calculator decision method
The calculator combines your income sources, subtracts the RRSP deduction you enter, applies simplified federal and provincial or territorial tax treatment, and reports the estimated after-tax amount. The output separates the main tax components so you can see what drives the result.
Data provenance
The model uses the values entered above rather than silently substituting a household profile. Personal balances, prices, rates, dates, and household facts should come from current statements, quotes, or official records, while suggested assumptions should be tested above and below the starting case.
Sensitivity test
| Input | Calculated result |
|---|---|
| Employment income: $76,500 | $56,611 |
| Employment income: $85,000 | $62,251 |
| Employment income: $93,500 | $68,230 |
Frequently asked questions
Is this a 2026 tax filing calculator?
No. It is an educational estimate using simplified 2026 assumptions, not a replacement for certified tax software or professional advice.
Does this include every credit and deduction?
No. It includes basic personal amount logic and payroll deductions, but it does not include every credit, benefit, surtax, dividend rule, capital gains rule, or self-employment adjustment.
Why is Quebec only simplified?
The estimate includes the Quebec federal abatement and Quebec EI rate, but it does not model every Quebec-specific payroll or tax return item.
What if I have self-employment income?
Add it as other taxable income only for a rough estimate. Self-employment can change CPP, deductions, GST/HST, instalments, and record keeping.
What if I want to test an RRSP contribution?
Enter the RRSP deduction to see how taxable income changes. Confirm your official RRSP room before contributing.
What this 2026 tax calculator includes
This calculator estimates federal income tax, provincial or territorial income tax, CPP or QPP, EI or QPIP, Ontario surtax, and Ontario Health Premium using simplified 2026 assumptions.
Why tax estimates differ from payroll
Real paycheques can include workplace pensions, benefits, union dues, taxable benefits, special credits, and employer-specific withholding rules.
RRSP deductions
RRSP deductions reduce taxable income, which can lower tax payable, but contributions also move cash into an RRSP and must stay within your official deduction limit.
Educational purposes only
This is not tax filing software. Use it to understand the moving parts before verifying official CRA and provincial numbers.
Disclaimer
Educational estimate only. This calculator is not tax advice, payroll advice, filing software, or a guarantee of refund or balance owing. Verify official 2026 rules before acting.
See also
- All calculators
- All templates
- Employment Verification Letter
- Hourly to Salary Converter — Convert an hourly wage into annual, monthly, weekly, and approximate after-tax income.
- Resignation Letter
- Resume Builder
- Salary After Tax Calculator — Estimate Canadian take-home pay after federal tax, provincial tax, CPP or QPP, and EI or QPIP deductions.
- Severance Pay Estimator — Estimate statutory minimum and common law severance ranges in Canada using a simplified model.
- Take-Home Pay by Province — Compare Canadian take-home pay across provinces and territories using salary, payroll deductions, and simplified tax assumptions.
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Page details
Author: Thomas Tremblay
Updated: August 6, 2026
Cite: Canooq.ca, Tax Calculator
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