Tax Calculator
Canadian Income Tax
Calculator 2026
Calculate your exact take-home pay — federal tax, provincial tax, CPP, and EI — for any income in all 13 provinces.
Updated for 2026 · 2025 CRA rates · Source: Canada Revenue Agency
Enter your income details
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Take-Home / Year
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Total Deductions
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Per Bi-Weekly Pay
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Effective Tax Rate
ℹ️ Estimates only. Verify with CRA or a tax professional. Self-employed CPP is doubled.
2025 Federal Tax Brackets (Current)
Canada uses a graduated (marginal) tax system. You only pay the higher rate on income within that bracket — not on your entire income.
| Taxable Income | Federal Rate | Tax on Bracket |
|---|---|---|
| $0 – $57,375 | 15% | Up to $8,606 |
| $57,375 – $114,750 | 20.5% | Up to $11,762 |
| $114,750 – $158,519 | 26% | Up to $11,380 |
| $158,519 – $220,000 | 29% | Up to $17,831 |
| Over $220,000 | 33% | On every dollar above |
The federal basic personal amount for 2025 is $16,129. This effectively makes your first $16,129 of income tax-free at the federal level.
2025 CPP & EI Rates (Current)
| Deduction | Rate | Maximum | On Earnings Up To |
|---|---|---|---|
| CPP (Employee) | 5.95% | $4,034.10 | $71,300 (YMPE) |
| CPP2 (Employee) | 4.00% | $428.00 | $81,900 |
| EI (Employee) | 1.66% | $1,090.62 | $65,700 |
Tax Rates by Province
Click any province to calculate your take-home pay instantly.
Frequently Asked Questions
How is Canadian income tax calculated?
Canada uses a graduated bracket system. You pay 15% on the first $57,375, then 20.5% on the next portion, and so on. Provincial tax is calculated separately using each province's own brackets and added on top. You also pay CPP and EI contributions. Your basic personal amount ($16,129 federally) reduces your tax.
What is the difference between marginal and effective tax rate?
Your marginal rate is the rate on your next dollar of income — the rate of the highest bracket you're in. Your effective rate is your total tax divided by total income. It's always lower than your marginal rate because lower brackets apply to your lower income. For example, someone earning $90,000 in Ontario has a marginal rate of ~29.65% but an effective rate closer to 22%.
Does this calculator include CPP2?
Yes. CPP2 is the second tier of Canada Pension Plan contributions introduced in 2024. In 2025, employees contribute 4% on earnings between $71,300 and $81,900, for a maximum additional contribution of $428. This calculator includes CPP2 automatically.
Which province has the lowest income tax in Canada?
Alberta generally has the lowest provincial income tax, with a flat 10% rate on the first $148,269. Nunavut and Yukon also have relatively low rates. Quebec typically has the highest combined rates, but also provides more government services funded by those taxes.
How much tax do I pay on $75,000 in Ontario?
On a $75,000 salary in Ontario in 2025, you pay approximately $11,200 in federal tax, $4,800 in Ontario provincial tax, $4,034 in CPP, and $1,090 in EI — for a total of about $21,000 in deductions. Your take-home would be approximately $54,000, or about $4,500/month. Use the calculator above for your exact numbers.