Income & Salary

Tax Calculator

Estimate Canadian federal tax, provincial tax, CPP, EI, and after-tax income using simplified 2026 assumptions.

Before you calculate

Use this as a planning estimate, not a final answer.

Start with realistic Canadian numbers, then test a cautious case and an optimistic case. The result depends on the assumptions you enter, current rates, province-specific rules, and your personal situation.

Main assumptions

Inputs are editable and should be updated with your real income, rates, province, fees, or account limits. Calculations are simplified and may not include every tax credit, lender rule, fee, eligibility condition, or timing detail. Verify official numbers before acting. This tool is educational and is not financial, tax, legal, mortgage, or investment advice.

Basics

Province or territoryiChoose the province or territory used for provincial tax or housing assumptions.Employment incomeiEnter salary, wages, bonus, commission, and other T4 employment income before tax.

Other taxable incomeiAdd taxable self-employment, interest, rental, or other taxable income you want included before deductions.

RRSP deductioniOptional RRSP deduction to reduce taxable income. This calculator does not verify your official RRSP room.

Estimated after-tax income

$63,001

Educational estimate only. Use official tax software, CRA guidance, or a tax professional before filing or planning around a number.

2026 assumptions

Educational model

Uses the 2026 federal bracket cut, 2026 provincial and territorial brackets, basic personal amounts, CPP, CPP2, EI, and Quebec EI rate assumptions in this model.

What is excluded

Simplified

Credits, deductions, benefits, surtaxes, Quebec parental insurance, self-employment CPP, capital gains, dividends, and payroll benefits can change the real result.

Gross income entered$85,000

Taxable income after RRSP deduction$85,000

Federal income tax$11,318

Provincial or territorial income tax$4,912

CPP estimate$4,646

EI estimate$1,123

Total tax and payroll deductions$21,999

Cash after RRSP contribution$63,001

Average deduction rate25.9%

Approximate marginal income tax rate29.7%

Educational estimate only. This calculator is not tax advice, payroll advice, filing software, or a guarantee of refund or balance owing. Verify official 2026 rules before acting.

What this 2026 tax calculator includes

This calculator estimates federal income tax, provincial or territorial income tax, CPP, CPP2, and EI using simplified 2026 assumptions.

Why tax estimates differ from payroll

Real paycheques can include workplace pensions, benefits, union dues, taxable benefits, special credits, and employer-specific withholding rules.

RRSP deductions

RRSP deductions reduce taxable income, which can lower tax payable, but contributions also move cash into an RRSP and must stay within your official deduction limit.

Educational purposes only

This is not tax filing software. Use it to understand the moving parts before verifying official CRA and provincial numbers.

Frequently asked questions

Is this a 2026 tax filing calculator?+

No. It is an educational estimate using simplified 2026 assumptions, not a replacement for certified tax software or professional advice.

Does this include every credit and deduction?+

No. It includes basic personal amount logic and payroll deductions, but it does not include every credit, benefit, surtax, dividend rule, capital gains rule, or self-employment adjustment.

Why is Quebec only simplified?+

The estimate includes the Quebec federal abatement and Quebec EI rate, but it does not model every Quebec-specific payroll or tax return item.

Disclaimer

Educational estimate only. This calculator is not tax advice, payroll advice, filing software, or a guarantee of refund or balance owing. Verify official 2026 rules before acting.