Canada Income Tax & Take-Home Pay Calculator 2026
See your 2026 take-home pay after federal and provincial tax, CPP and EI.
How to use: Choose your province, enter your yearly employment income and any RRSP contribution. Take-home pay per year, month and two weeks updates instantly.
How to use the Canada Income Tax Calculator
Pick where you lived on 31 December, enter your gross yearly pay and any other taxable income, and subtract RRSP contributions you plan to deduct. The calculator applies the 2026 federal brackets (14% on the first $58,523, then 20.5%, 26%, 29% and 33%) and your province’s brackets, minus the basic personal amount credits.
It also estimates payroll deductions: CPP (or QPP in Quebec) and EI premiums using approximate 2026 limits, plus QPIP in Quebec. Ontario surtax and the federal abatement for Quebec residents are included. The result shows take-home pay per year, per month and per two-week pay period, with your average and marginal tax rates.
Worked example: $75,000 in Ontario. Federal tax is about $8,600 and Ontario tax about $4,000; CPP is about $4,250 and EI about $1,120. Take-home pay is roughly $57,000 a year, or about $4,750 a month, and the marginal rate is 29.65%.
This is an estimate for planning: it leaves out credits such as the Canada employment amount, tuition and medical expenses, the Ontario Health Premium and benefit clawbacks. Check the official rates on canada.ca. Updated October 2026.
Frequently asked questions
What is the federal tax rate in 2026?
The lowest federal rate is 14% on income up to $58,523, followed by 20.5%, 26%, 29% and 33% above $258,482.
Does RRSP lower my tax?
Yes. RRSP deductions reduce taxable income, so you save tax at your marginal rate.
Why is Quebec different?
Quebec collects its own income tax, uses QPP and QPIP, and residents get a 16.5% abatement on federal tax.
Is this my exact paycheque?
No. Employers also deduct benefits, union dues and pension plans, and the real credits you claim may differ.
What is the marginal tax rate?
The combined federal and provincial rate on your next dollar of income, useful for judging raises and RRSP savings.