Canada Income Tax Calculator
Estimate 2026 Canadian federal and provincial income tax, CPP and EI for every province and territory except Quebec.
About the Canada Income Tax Calculator
The federal rate on the first bracket fell to 14% for 2026. Federal brackets: 14% to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above. Each province adds its own brackets.
Non-refundable credits (the basic personal amount, Canada employment amount, base CPP and EI) are applied at the lowest rate. 2026 CPP is 5.95% on earnings between $3,500 and $74,600 plus 4% up to $85,000; EI is 1.63% up to $68,900.
The formula
Tax = federal brackets − 14% × credits + provincial brackets − lowest provincial rate × credits
Worked example
Example: Income tax 2026 = $18,220
- Inputs: Employment income: $94,000; Other taxable income: $0; RRSP / FHSA deductions: $0; Province or territory: Ontario.
- Formula: Tax = federal brackets − 14% × credits + provincial brackets − lowest provincial rate × credits
- Result: Income tax 2026 = $18,220
- Marginal rate (federal + provincial brackets): 29.65%
- Average tax rate: 19.4%
Things to keep in mind
- Quebec has its own tax system and Newfoundland and Labrador changed rates mid-2026, so they aren't included.
- Low-income reductions (Ontario, BC), Manitoba's BPA phase-out above $200,000 and other credits aren't modelled.
Questions people ask
What is the marginal rate?
The combined federal and provincial rate on your next dollar of income.
Do RRSP contributions reduce tax?
Yes, they're deducted from income at your marginal rate.