Tax Calculator · 2026

Canadian Income Tax Calculator 2026

Estimate your 2025 federal and provincial income tax, take-home pay, and marginal tax rate. Select your province and enter your income for an instant estimate. Updated for 2025 tax brackets.

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Income Tax Calculator

🧾 Calculate Your 2025 Canadian Income Tax

Employment income ($)

Province / Territory

RRSP contributions ($)

Other deductions ($)

$18,204

Estimated total tax (federal + provincial)

Federal income tax$10,869

Provincial income tax (Ontario)$7,335

CPP contribution (employee)$3,867

EI premium (employee)$1,049

Estimated take-home pay$51,880

Average tax rate24.3%

Marginal tax rate29.65%

Top Marginal Rates by Province 2026

Province	Top Marginal Rate	Kicks In At
Alberta	~48%	$355,846+
Nunavut	~44.5%	$173,206+
Northwest Territories	~47.05%	$164,526+
Yukon	~48%	$500,001+
Saskatchewan	~47.5%	$142,059+
British Columbia	~53.5%	$240,717+
Ontario	~53.53%	$220,001+
Manitoba	~50.4%	$79,626+
Quebec	~53.31%	$126,001+
New Brunswick	~52.5%	$176,757+
Nova Scotia	~54.0%	$150,001+
PEI	~51.75%	$140,001+

Frequently Asked Questions

Which province has the lowest income tax in Canada?

Alberta has the lowest overall income tax. AB's flat 10% rate on income under $148,269 is the lowest first bracket in Canada. Alberta also has no PST. The lowest top marginal combined rate is Alberta at ~48% (vs ~54% in Nova Scotia). For most income levels under $150K, Alberta residents keep the most take-home pay in Canada.

What is the RRSP deduction benefit?

RRSP contributions deduct directly from your taxable income. At Ontario's 29.65% marginal rate ($51K–$102K income), each $1,000 RRSP contribution saves $296.50 in taxes immediately. At 37.16% ($102K–$150K), each $1,000 saves $371.60. The higher your marginal rate, the more valuable the RRSP deduction. Use the calculator above: enter your income with and without an RRSP contribution to see your exact savings.

How is CPP calculated in Canada?

For 2025: CPP1 rate is 5.95% on earnings between $3,500 (exemption) and $73,200 (maximum pensionable earnings). Maximum CPP1 contribution: ~$3,867/year. CPP2 (additional enhancement): 4% on earnings between $73,200 and $81,200 — max additional ~$315/year. Your employer matches your CPP contribution. Self-employed pay both employee and employer portions (11.9% total for CPP1).

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Disclaimer: Estimates only — this calculator uses simplified rates and does not account for all deductions, surtaxes, or credits. Verify with CRA or a tax professional. Information as of March 2026. Bremo earns referral commissions on KOHO signups.