Canada Income Tax Calculator 2026 — Take-Home Pay by Province
Enter your salary and where you live, and this free calculator shows exactly what you keep in 2026 — after federal income tax, provincial or territorial tax, Canada Pension Plan (CPP) contributions and Employment Insurance (EI) premiums. It uses the verified CRA 2026 brackets for all 13 provinces and territories, applies the federal basic personal amount of $16,452 and your province's own basic personal amount, and lets you see how an RRSP contribution lowers your tax bill. No sign-up, and nothing you enter is saved or sent anywhere.
Your details
RRSP contributions reduce your taxable income dollar for dollar. The 2026 RRSP dollar limit is $33,810 (or 18% of earned income, if lower, plus unused room).
per year, from a gross salary of $80,000 in 2026
| Federal income tax | −$10,293 |
| Provincial tax (estimate) | −$4,455 |
| CPP contributions | −$4,230 |
| CPP2 (second tier) | −$216 |
| EI premiums | −$1,123 |
| Total deductions | −$20,317 |
| Take-home pay (per year) | $59,683 |
Marginal rate is your combined federal + provincial rate on the next dollar of income, before surtaxes. Provincial tax is an estimate — see the notes below.
Worked example: $80,000 salary in Ontario, 2026
The calculator above starts with this exact case, so you can check the math yourself. On an $80,000 Ontario salary with no RRSP contribution:
| Federal tax — 14% on the first $58,523 ($8,193.22) + 20.5% on the remaining $21,477 ($4,402.79) = $12,596.01, minus the basic personal amount credit of $16,452 × 14% ($2,303.28) | $10,293 |
| Ontario tax (estimate) — 5.05% on the first $53,891 + 9.15% on the rest, minus the Ontario basic personal amount credit of $12,989 × 5.05% ($655.94). No Ontario surtax applies at this level | $4,455 |
| CPP — 5.95% on earnings between $3,500 and $74,600 (the 2026 maximum) | $4,230.45 |
| CPP2 — 4% on earnings between $74,600 and $80,000 | $216.00 |
| EI — 1.63% on insurable earnings up to $68,900 (the 2026 maximum) | $1,123.07 |
| Total deductions | $20,317 |
| Take-home pay | $59,683 / year · $4,974 / month · $2,296 bi-weekly |
That is an effective rate of about 25.4% on all deductions (18.4% income tax alone), while the next dollar earned is taxed at a marginal rate of 29.65% (20.5% federal + 9.15% Ontario). Try your own province above — the same $80,000 keeps noticeably more in Alberta or Nunavut, and less in Nova Scotia or Quebec.
How it works
Start with taxable income
Your gross salary minus deductible RRSP contributions is your taxable income. Everything else — federal tax and provincial tax — is calculated on that amount. CPP and EI are calculated on your gross employment earnings.
Apply the brackets in slices
Canada's brackets are progressive: each rate applies only to the slice of income inside that bracket, never to your whole salary. The calculator walks your taxable income through the five federal brackets, then through your province's own brackets.
Subtract credits, CPP and EI
The basic personal amount works as a credit at the lowest rate — $16,452 × 14% = $2,303.28 off your federal tax, plus your province's equivalent credit. CPP, CPP2 and EI are then deducted to reach your take-home pay.
Federal tax brackets 2026 (CRA)
| Taxable income | Federal rate |
|---|---|
| $0 – $58,523 | 14% |
| $58,523 – $117,045 | 20.5% |
| $117,045 – $181,440 | 26% |
| $181,440 – $258,482 | 29% |
| Over $258,482 | 33% |
The 14% lowest rate applies for the full 2026 year (it was cut from 15%). The federal basic personal amount is $16,452 for net income up to $181,440, then shrinks gradually to $14,829 at $258,482 and above — this calculator applies that phase-out automatically.
CPP & EI in 2026
| Contribution | Rate | Maximum |
|---|---|---|
| CPP — earnings $3,500 to $74,600 | 5.95% | $4,230.45 |
| CPP2 — earnings $74,600 to $85,000 | 4% | $416.00 |
| EI — earnings up to $68,900 | 1.63% | $1,123.07 |
| Quebec: QPP / EI / QPIP | 6.3% / 1.30% / 0.43% | $4,479.30 / $895.70 / $442.90 |
Quebec runs its own pension plan (QPP instead of CPP), charges a lower EI rate because it runs the Quebec Parental Insurance Plan (QPIP), and its residents get a 16.5% abatement on federal tax. Select Quebec above and the calculator switches to those rules automatically.
2026 provincial & territorial tax at a glance
Every province and territory sets its own brackets and basic personal amount (BPA) on top of federal tax. Provincial figures below are the published 2026 amounts; provincial tax in this calculator is labelled an estimate because some provinces add surtaxes, reductions or health premiums on top of the basic brackets.
| Province / territory | Lowest rate | Top rate | Basic personal amount |
|---|---|---|---|
| Alberta | 8% | 15% | $22,769 |
| British Columbia | 5.6% | 20.5% | $13,216 |
| Manitoba | 10.8% | 17.4% | $15,780 |
| New Brunswick | 9.4% | 19.5% | $13,664 |
| Newfoundland and Labrador | 8.7% | 21.8% | $13,094 |
| Northwest Territories | 5.9% | 14.05% | $18,198 |
| Nova Scotia | 8.79% | 21% | $11,932 |
| Nunavut | 4% | 11.5% | $19,659 |
| Ontario | 5.05% | 13.16% + surtax | $12,989 |
| Prince Edward Island | 9.5% | 20% | $15,000 |
| Quebec | 14% | 25.75% | $18,952 |
| Saskatchewan | 10.5% | 14.5% | $20,381 |
| Yukon | 6.4% | 15% | $16,452 (mirrors federal) |
Sources: Canada Revenue Agency, current year tax rates and income brackets (2026), CRA CPP/EI maximums for 2026, and Revenu Québec 2026 parameters for Quebec. Bracket thresholds and basic personal amounts verified November 2026.
Frequently asked questions
What are the federal income tax brackets in Canada for 2026?
For 2026 the CRA federal brackets are 14% on the first $58,523 of taxable income, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above $258,482. The federal basic personal amount is $16,452, reducing gradually to $14,829 for incomes above $258,482. Each rate applies only to the income inside its bracket.
How much tax do I pay on $80,000 in Ontario in 2026?
On an $80,000 salary in Ontario in 2026 you pay about $10,293 in federal tax and about $4,455 in Ontario tax, plus $4,230.45 CPP, $216 CPP2 and $1,123.07 EI. Total deductions are about $20,317, leaving take-home pay of about $59,683 per year — roughly $4,974 a month or $2,296 per bi-weekly paycheque.
What are the CPP and EI rates in Canada for 2026?
CPP is 5.95% on earnings between $3,500 and $74,600, to a maximum of $4,230.45, plus CPP2 of 4% on earnings between $74,600 and $85,000, to a maximum of $416. EI premiums are 1.63% on insurable earnings up to $68,900, to a maximum of $1,123.07. Once you pass those ceilings mid-year, your paycheques get bigger because the deductions stop. Quebec employees pay QPP (6.3%) instead of CPP, a lower EI rate of 1.30%, and QPIP premiums.
How does an RRSP contribution reduce my tax?
An RRSP contribution is deducted from your income before tax is calculated, so it lowers your taxable income dollar for dollar. The tax you save is roughly the contribution multiplied by your combined marginal rate — about 29.65% on an $80,000 Ontario salary, so a $5,000 contribution saves roughly $1,483. Enter an amount in the RRSP field above to see your own number. Unused contribution room carries forward, and withdrawals are taxed as income later.
Which province has the lowest income tax in Canada in 2026?
Nunavut has the lowest rates overall, starting at 4% with a $19,659 basic personal amount. Alberta is usually the lowest-tax province for typical salaries, combining an 8% starting rate with Canada's highest basic personal amount at $22,769 and no provincial sales tax. At the other end, Nova Scotia and Quebec generally produce the highest tax bills at middle incomes.
Is this calculator exact? What isn't included?
It is an estimate built on the published 2026 CRA federal brackets, CPP and EI maximums, and each province's 2026 brackets and basic personal amount. It does not include every item on a real tax return — such as the Canada employment amount, tuition, medical or donation credits, union dues, Ontario's Health Premium (up to $900), BC's low-income tax reduction, or income from investments — and payroll withholding during the year can differ slightly from the annual figure. Use it for planning, and check your notice of assessment for the final word.