Canada Income Tax Calculator
Work out your 2026 take-home pay anywhere in Canada. The calculator applies federal and provincial income tax, CPP/QPP and EI (plus QPIP and the 16.5% abatement in Quebec), shows a bracket-by-bracket breakdown, and compares your net pay across all 13 provinces and territories.
$60,842.49 take-home per year (Ontario, 2026)
Net per year: $60,842 (76.1% of gross) · Total deductions: $19,158
Federal tax: $9,453 · Ontario tax: $4,135
CPP/QPP: $4,446 · EI: $1,123 · Taxable income: $79,073
Average tax rate (income tax only) 17.0% · marginal rate 29.6% — your marginal rate only applies to your next dollar of income.
Where your pay goes
How each bracket taxes your income (federal & Ontario)
Federal
| Rate | Income from | to | Taxed here | Tax |
|---|---|---|---|---|
| 14.0% | $0 | $58,523 | $58,523 | $8,193.22 |
| 20.5% | $58,523 | $79,073 | $20,550 | $4,212.75 |
Ontario
| Rate | Income from | to | Taxed here | Tax |
|---|---|---|---|---|
| 5.1% | $0 | $53,891 | $53,891 | $2,721.50 |
| 9.2% | $53,891 | $79,073 | $25,182 | $2,304.15 |
Same income, every province — where you keep the most
| Province / territory | Income tax | Take-home | % kept |
|---|---|---|---|
| Nunavut | $12,342 | $62,089 | 77.6% |
| Northwest Territories | $13,474 | $60,956 | 76.2% |
| British Columbia | $13,484 | $60,947 | 76.2% |
| Ontario | $13,588 | $60,842 | 76.1% |
| Yukon | $13,698 | $60,733 | 75.9% |
| Alberta | $13,943 | $60,487 | 75.6% |
| Saskatchewan | $15,619 | $58,812 | 73.5% |
| New Brunswick | $16,395 | $58,036 | 72.5% |
| Manitoba | $16,401 | $58,029 | 72.5% |
| Newfoundland and Labrador | $16,784 | $57,647 | 72.1% |
| Quebec | $16,803 | $57,262 | 71.6% |
| Prince Edward Island | $17,306 | $57,125 | 71.4% |
| Nova Scotia | $18,202 | $56,229 | 70.3% |
2026 federal & provincial brackets verified against the CRA and Revenu Québec; CPP/CPP2/EI and Quebec QPP/QPIP from the CRA and Retraite Québec. Employee-side estimate using the basic personal amount and standard CPP/QPP/EI credits — it doesn't model every provincial credit. How we calculate →
How income tax works in Canada
Canada taxes employment income on two levels at once: federal tax collected by the Canada Revenue Agency (CRA) and provincial or territorial tax set by where you live on December 31. Both use progressive brackets — only the income inside each band is taxed at that band's rate — so your total income tax is federal plus provincial on the same taxable income.
Your pay also has payroll deductions: the Canada Pension Plan (CPP) and Employment Insurance (EI). Quebec is different — it runs its own QPP pension plan, a QPIP parental-insurance premium and a lower EI rate, and Quebec residents get a 16.5% federal abatement. Pick a province above to see real take-home pay for 2026.
Why your province matters
Provincial brackets and rates vary widely. Alberta starts at 8% with a high basic personal amount, the territories tax lightly, while Quebec and the Atlantic provinces tax the most. Ontario adds a surtax on higher provincial tax. On the same salary, take-home pay can differ by several thousand dollars between provinces — the calculator's province table shows exactly where you keep the most.
All figures use 2026 federal and provincial brackets, the 2026 basic personal amounts, and 2026 CPP/CPP2/EI (and QPP/QPIP for Quebec) limits, verified against the CRA and Revenu Québec.
Marginal vs average tax rate
Your marginal rate is the tax on your next dollar — the combined federal + provincial rate of your top bracket (plus Ontario's surtax where it applies). Your average rate is the income tax you actually pay divided by your gross income, and it's always lower because the lower brackets tax earlier dollars less. The calculator shows both, plus a bracket-by-bracket breakdown for federal and provincial tax.
Frequently asked questions
How is take-home pay calculated in Canada?
Start with gross income, subtract federal income tax, provincial/territorial income tax, CPP (or QPP in Quebec) and EI (plus QPIP in Quebec). What's left is your take-home (net) pay. Each tax uses progressive brackets and a basic personal amount credit; the calculator does all of this for 2026.
Which province has the lowest income tax?
Among the provinces, Alberta is generally the lowest thanks to its 8% starting rate and high basic personal amount; the territories (Nunavut, Northwest Territories, Yukon) are lower still. Quebec and the Atlantic provinces (Nova Scotia, Newfoundland and Labrador) tax the most. Use the province table in the calculator to compare take-home on your salary.
What are the 2026 federal tax brackets?
For 2026: 14% up to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, and 33% above that. The lowest rate dropped to 14% in 2026. Provincial tax is added on top.
Does the calculator include CPP and EI?
Yes. It includes 2026 CPP (5.95% up to $74,600, plus CPP2 at 4% to $85,000) and EI (1.63% to $68,900). For Quebec it uses QPP (6.30%), QPIP and the lower Quebec EI rate, plus the 16.5% federal abatement.
Income tax calculators by province
Researched & verified by the Calcuris Data & Research Team. How we build and check our tools →