Income Tax
Calculator Canada 2026

It depends on your taxable income and province. Canada is progressive: in 2026 the federal rates are 14% on the first $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, and 33% above that, with a basic personal amount of $16,452 that shelters the first slice of income. Your province adds its own brackets on top. For example, an Ontario resident with $80,000 of taxable income pays roughly $10,300 federal plus Ontario tax (including surtax and health premium) — an average rate well below the 29.65% marginal rate at that income. Enter your number above for your province's exact estimate.

No — this tool estimates income tax only (federal + provincial). CPP/QPP and EI/QPIP are separate payroll contributions, not income tax, and are calculated on different bases with their own caps. Excluding them keeps the income-tax figure precise. For CPP specifically, see our CPP calculator. Your actual paycheque deductions will be higher than the income tax shown here once CPP and EI are added.

Your marginal rate is the tax on your next dollar of income — it's what a raise or an extra RRSP dollar is worth. Your average (effective) rate is your total tax divided by your total income, and it's always lower because the lower brackets and the basic personal amount apply to most of your income. For example, an $80,000 earner might face a ~29.65% marginal rate in Ontario but an average rate closer to 18–20%. Use the marginal rate for decisions (RRSP, bonuses); use the average rate to understand your overall burden.

Ontario charges a surtax on top of its bracket tax: for 2026, 20% of Ontario tax above $5,818, plus a further 36% of Ontario tax above $7,446 — a combined 56% at the top. Because it's levied on tax payable rather than directly on income, it lifts the effective top Ontario rate from the 13.16% bracket figure to about 20.53%, and the combined federal + Ontario top marginal rate to ~53.53%. Ontario also adds a Health Premium of up to $900 based on taxable income. This calculator includes both.

Quebec residents file a separate Revenu Québec return and pay Quebec's own provincial rates (14% to 25.75% for 2026). To avoid double administration, the federal government grants a 16.5% abatement on basic federal tax for Quebec residents — so the federal portion shown for Quebec is reduced by 16.5%. Quebec's higher provincial rates more than offset this, leaving the combined top rate among Canada's highest at about 53.31%. This calculator applies the abatement automatically when you select Quebec.

Enter your taxable income — your total income minus deductions such as RRSP contributions, union dues, and child-care expenses. If you only know your gross salary and have no major deductions, gross is a reasonable approximation. The calculator applies the federal and provincial basic personal amounts automatically, but it does not model other credits (tuition, medical, charitable donations, the Canada Employment Amount, etc.), so your real tax may be slightly lower.

Ontario, British Columbia, Alberta and Quebec — the four most populous provinces, covering roughly 86% of Canadians. Each uses its 2026 brackets and basic personal amount, with the Ontario surtax and Health Premium and the Quebec federal abatement modelled. The federal portion is the same in every province and territory. Results are estimates for general information, not a substitute for filing or professional tax advice.