2026 tax year · Federal + Provincial + CPP + EI
Federal Tax
Provincial Tax
CPP
EI
Total Deductions
Take-Home
Effective Tax Rate
Estimate only. Does not include credits beyond the basic personal amount, dividend tax credits, or medical/donation carryforwards. Quebec uses Revenu Québec rates. Consult a tax professional for filing.
Enter your annual gross employment income (your salary before any deductions), select your province or territory of residence, and optionally enter any RRSP contributions you've made (these reduce your taxable income dollar-for-dollar). The calculator shows your estimated federal tax, provincial tax, CPP contribution, and EI premium — plus your take-home pay and effective tax rate.
All brackets are 2026 CRA rates. Quebec residents are calculated using Revenu Québec provincial rates. The basic personal amount credit is applied by default; uncheck it to see your gross tax.
14% on the first $58,523, 20.5% on $58,523–$117,045, 26% on $117,045–$181,440, 29% on $181,440–$258,482, and 33% above $258,482. These are indexed to inflation each year by CRA.
CPP is 5.95% of your pensionable income between $3,500 and $74,600 (YMPE), plus 4% on income between $74,600 and $85,000 (YAMPE) for the enhanced CPP2 layer. Self-employed pay both employee and employer portions (11.9% + 8%).
The EI rate is 1.64% (1.31% in Quebec) on insurable earnings up to $65,700. Maximum annual premium is $1,077.48 (or $860.67 in Quebec). EI is fully employee-paid — employers pay 1.4× the employee amount.
No. This is an estimate. It applies the basic personal amount but does not include dividend tax credits, medical expenses, charitable donations, tuition credits, or provincial credits like the Ontario Trillium Benefit. For your actual tax owing, use CRA's My Account or consult a tax professional.
The Toolzie Canada Income Tax Calculator estimates your 2026 federal income tax, provincial or territorial tax, Canada Pension Plan (CPP) contributions, and Employment Insurance (EI) premiums based on your gross employment income. It applies current CRA federal brackets, simplified provincial brackets for all 13 provinces and territories, and the 2026 CPP/EI maximums. The result includes your take-home pay and overall effective tax rate.
14% on the first $58,523 of taxable income, 20.5% on $58,523–$117,045, 26% on $117,045–$181,440, 29% on $181,440–$258,482, and 33% above $258,482. Brackets are indexed to inflation each year by the CRA.
CPP is 5.95% on income between $3,500 (basic exemption) and $74,600 (YMPE), plus an additional 4% CPP2 on income from $74,600 to $85,000. Maximum employee contribution for 2026 is $4,646.45. Self-employed individuals pay double.
The EI premium rate is 1.64% (1.31% in Quebec) on insurable earnings up to $65,700. Maximum annual premium: $1,077.48 ($860.67 in Quebec). EI is fully paid by the employee — employers pay 1.4× the employee amount separately.
Yes. Quebec residents are calculated using Revenu Québec provincial rates (which differ from other provinces) and the lower Quebec EI rate of 1.31%. The Quebec Pension Plan (QPP) replaces CPP for Quebec residents but uses similar contribution rates and is not separately broken out here.