Canada Tax Calculator 2026
Calculate your net take-home pay in any Canadian province or territory. Federal tax, provincial tax, CPP/QPP, EI, and RRSP all handled automatically.
Your details
C$
C$
Take-homeC$57,300per year
Monthly take-homeC$4,775
Bi-weeklyC$2,204
Effective tax rate17.0%
Marginal rate30.0%
Annual breakdown
- Gross incomeC$75,000
- Federal tax(11.9%)-C$8,913
- Ontario provincial tax(4.7%)-C$3,528
- CPP(5.6%)-C$4,182
- EI (Employment Insurance)(1.4%)-C$1,077
- Take-home pay(76.4%)C$57,300
Uses 2025 federal and provincial brackets indexed to 2026. Read full disclaimer.
Major provinces
Ontario
5 brackets, top 13.16%
Calculate →Quebec
4 brackets, top 25.75%
Calculate →British Columbia
7 brackets, top 20.50%
Calculate →Alberta
5 brackets, top 15.00%
Calculate →All provinces & territories
Canada tax calculator FAQ
How are federal and provincial taxes structured in Canada?
Canada uses a two-level income tax system. Federal tax has 5 brackets (15% to 33%), the same across all provinces and territories. Provincial tax is set by each province (Quebec, Ontario, BC, etc.) with its own brackets. Both are withheld from each paycheck automatically.
What is CPP and CPP2?
The Canada Pension Plan (CPP) requires mandatory contributions from employees and employers. In 2025/2026: 5.95% employee contribution on earnings between $3,500 (basic exemption) and the YMPE of $71,300. CPP2 adds 4% on earnings between YMPE and the YAMPE ($81,200). Quebec uses its own QPP system with slightly higher rates (6.4%).
What is EI and how much do I pay?
Employment Insurance provides temporary income if you lose your job. In 2025: 1.64% of insurable earnings up to $65,700 (MIE) for workers outside Quebec. Quebec residents pay 1.31% (Quebec administers QPIP separately for parental benefits at 0.494%).
Does this calculator include RRSP deductions?
Yes. RRSP contributions are deductible from your federal and provincial taxable income. Enter your annual RRSP amount in the calculator and it reduces tax owed accordingly. Note: CPP and EI are not reduced by RRSP.