Estimate your federal + provincial income tax, CPP, EI, and net take-home pay for any province.
| Item | Amount | % of Gross |
|---|
| Taxable Income | Federal Rate | Tax on Bracket |
|---|---|---|
| $0 – $57,375 | 15% | Up to $8,606 |
| $57,376 – $114,750 | 20.5% | Up to $20,376 |
| $114,751 – $158,519 | 26% | Up to $31,777 |
| $158,520 – $220,000 | 29% | Up to $49,617 |
| $220,001+ | 33% | — |
Basic personal amount reduces federal tax by $2,623 (15% × $17,491 BPA for 2026). CPP and EI premiums are deductible from federal tax.
| Province | Top Rate | Top Federal + Provincial | Income at Top Rate |
|---|---|---|---|
| Alberta | 15% | 48% | $341,708+ |
| British Columbia | 20.5% | 53.5% | $253,414+ |
| Ontario | 13.16% | 53.53% | $220,001+ |
| Quebec | 25.75% | 53.31% | $119,910+ |
| Manitoba | 17.4% | 50.4% | $100,000+ |
| Saskatchewan | 14.5% | 47.5% | $142,058+ |
| Nova Scotia | 21% | 54% | $150,001+ |
| New Brunswick | 19.5% | 52.5% | $185,065+ |
| Prince Edward Island | 16.7% | 49.7% | $140,001+ |
| Newfoundland | 21.3% | 54.3% | $1M+ |
The CPP rate for employees is 5.95% on earnings between $3,500 (exemption) and $68,500 (YMPE). Maximum contribution: $3,867/year. Self-employed pay both halves: 11.9%.
Employment Insurance is 1.66% of insurable earnings up to $63,200. Maximum annual EI premium: $1,049/year. Quebec residents pay lower EI (1.32%) due to QPIP.
The federal basic personal amount (BPA) for 2026 is $17,491, worth up to $2,624 in federal tax savings. Every province also has its own BPA reducing provincial taxes.
You can contribute 18% of your 2025 earned income to your RRSP, up to a maximum of $32,490 for 2026. Every dollar contributed reduces your taxable income.
The Canadian tax return deadline is April 30, 2026 for most individuals. Self-employed Canadians have until June 15, 2026, but taxes owed are still due April 30.
The 2026 TFSA limit is $7,000. Cumulative lifetime room (since 2009) is $102,000. TFSA withdrawals are not taxable and room is restored the following year.
Every dollar earned in a TFSA is tax-free. Pair it with a no-fee banking account like KOHO to maximize savings. KOHO gives you 1% cashback plus a $100 welcome bonus.
Open KOHO Free — Code 45ET55JSYA for $100 →Disclaimer: This calculator provides estimates for informational purposes only. Tax laws change annually. This is not professional tax advice. Consult a CPA or tax professional for accurate calculations and advice specific to your situation. Results do not account for all deductions and credits.