No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Five provincial brackets, flat 10% start, no surtax — Canada's most competitive provincial tax structure
Alberta's five-bracket provincial tax system starts at a flat 10% on the first $148,269 of taxable income — far exceeding every other province's first bracket threshold. With no surtax, no PST, and the highest basic personal amount ($21,003) in Canada, Alberta consistently offers the lowest effective provincial tax rates in the country. Here is every bracket, rate, and effective tax figure for 2026.
| Income Range | AB Rate | Tax on Bracket | Cumulative AB Tax |
|---|---|---|---|
| $0 – $148,269 | 10% | Up to $14,827 | Up to $14,827 |
| $148,269 – $177,922 | 12% | Up to $3,558 | Up to $18,385 |
| $177,922 – $237,230 | 13% | Up to $7,710 | Up to $26,095 |
| $237,230 – $355,845 | 14% | Up to $16,607 | Up to $42,702 |
| Over $355,845 | 15% | No ceiling | — |
| Income | AB Tax | Federal Tax | Combined | Effective Rate | Take-Home |
|---|---|---|---|---|---|
| $50,000 | $2,900 | $5,081 | $7,981 | 16.0% | $42,019 |
| $75,000 | $5,400 | $10,818 | $16,218 | 21.6% | $58,782 |
| $100,000 | $7,900 | $17,068 | $24,968 | 25.0% | $75,032 |
| $150,000 | $12,827 | $30,568 | $43,395 | 28.9% | $106,605 |
| $200,000 | $18,785 | $45,228 | $64,013 | 32.0% | $135,987 |
| $300,000 | $32,523 | $78,728 | $111,251 | 37.1% | $188,749 |
You can't avoid provincial taxes, but you can eliminate banking fees. KOHO is free forever — save $200+/year vs the big banks and keep more after-tax dollars in your pocket.
Get KOHO Free — Code BREMO2026| Income Range | Federal | Alberta | Combined Marginal |
|---|---|---|---|
| $0 – $57,375 | 15% | 10% | 25% |
| $57,375 – $114,750 | 20.5% | 10% | 30.5% |
| $114,750 – $148,269 | 26% | 10% | 36% |
| $148,269 – $158,519 | 26% | 12% | 38% |
| $158,519 – $177,922 | 29% | 12% | 41% |
| $177,922 – $220,000 | 29% | 13% | 42% |
| $220,000 – $237,230 | 33% | 13% | 46% |
| $237,230 – $355,845 | 33% | 14% | 47% |
| Over $355,845 | 33% | 15% | 48% |
The starkest difference emerges in the $100,000–$148,269 range: Ontario residents pay 11.16% provincially (plus surtax), while Albertans pay a flat 10%. At $150,000, Ontario's 12.16% rate applies — Alberta is still at 10% on all income up to $148,269, then 12% above. The compounding effect over a career is substantial: an Albertan earning $150,000 saves approximately $11,500/year in combined tax versus the same income in Ontario.
Compare Ontario, BC, and Alberta side by side.
ON→AB Savings Calculator →Also see: Alberta Income Tax 2026 | Alberta Tax Credits 2026 | Lowest Tax Provinces