Canada Income Tax Calculator (Take-Home Pay)
Estimate your Canadian take-home pay for 2026. Enter your income and province, and this calculator applies the current federal tax brackets, the basic personal amount, CPP and EI to show your net pay after deductions.
Estimated take-home pay
$0
per month
Gross pay$0
Federal tax$0
Provincial tax (est.)$0
CPP$0
EI$0
Take-home pay$0
Effective rate: 0%
Total deductions: $0/yr
Federal tax, CPP and EI use verified 2026 figures (federal brackets 14%-33%, basic personal amount $16,452, CPP 5.95% to $74,600 plus CPP2, EI 1.63% to $68,900). Provincial tax uses the rate shown, which you can adjust; provincial systems are progressive and some add surtaxes, so treat the provincial part as an estimate. Quebec has its own tax and QPP/QPIP and is not covered. This is a guide, not tax advice.
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How it works
Take-home = gross - federal tax - provincial tax - CPP - EI - RRSP. Federal tax applies 2026 marginal brackets (14% to 33%) minus the basic personal amount credit ($16,452, phased down above $181,440). CPP is 5.95% on earnings from $3,500 to $74,600 plus CPP2 at 4% to $85,000; EI is 1.63% up to $68,900.Frequently Asked Questions
Which figures are exact?
Federal income tax (2026 brackets and basic personal amount with its phase-out), CPP, CPP2 and EI are all computed with verified 2026 CRA figures.
How is provincial tax handled?
Each province is progressive and some (like Ontario) add surtaxes. This calculator applies the provincial rate shown, pre-filled with your province's lowest bracket rate, which you can raise for higher incomes. Full per-province brackets are planned as an update.
What about Quebec?
Quebec has its own income tax system and QPP/QPIP instead of CPP/EI, so it is not covered here. Quebec residents should use a Quebec-specific tool.
Does it include RRSP?
Yes. RRSP contributions lower your taxable income for federal and provincial tax. CPP and EI are still calculated on your gross employment income.