Canada Income Tax Calculator 2026
Work out your 2026 take-home pay in any Canadian province or territory, after federal and provincial tax, CPP or QPP and EI.
Reviewed by Dany, RightSums team · Updated
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salary-tax · Daily life · Canada
Pick your province or territory and enter your salary, monthly pay or hourly rate. The calculator applies the 2026 federal and provincial tax brackets, the basic personal amount (including the federal phase-down on high incomes), CPP and CPP2 or, in Quebec, QPP, QPIP and the Quebec abatement, plus EI premiums. You see take-home pay a year, a month and every two weeks, with your average and marginal tax rates and a line-by-line breakdown. Ontario figures include the surtax, the Ontario Health Premium and the Ontario tax reduction. It covers employment income from one job with basic credits only, so treat it as an estimate rather than your final tax bill.
Accepted inputs
- Province or territory
- Gross pay
- Pay period (year, month, 2 weeks or hour)
- Hours per week (hourly pay)
Outputs
- Take-home pay per year, month and 2 weeks
- Federal income tax
- Provincial or territorial income tax
- CPP or QPP and CPP2 contributions
- EI and QPIP premiums
- Average and marginal tax rates
How to use the Canada Income Tax Calculator 2026
- Choose the province or territory you live in on 31 December, because that decides your provincial tax.
- Enter your gross pay and say whether it is a yearly salary, a monthly or bi-weekly amount, or an hourly rate.
- The calculator works out CPP or QPP, EI and your taxable income, then applies the 2026 federal and provincial brackets and basic credits.
- Read your take-home pay for the year, month and two-week pay period, plus your average and marginal tax rates.
Frequently asked questions
How much is $75,000 after tax in Ontario?
About $56,926 a year, or $4,743.82 a month, in 2026. That is after $8,258.60 of federal tax, $4,446.06 of Ontario tax including the $750 Ontario Health Premium, $4,246.45 of CPP and CPP2 and $1,123.07 of EI. Your average income tax rate is 16.94% and your marginal tax rate is 28.46%.
Which province has the highest take-home pay on $75,000?
Of the larger provinces, British Columbia leaves the most on $75,000 in 2026 at about $57,711, then Alberta at $57,362, Ontario at $56,926, Saskatchewan at $55,806 and Manitoba at $55,024. Nova Scotia ($53,423) and Quebec ($53,965) leave the least. The calculator shows every province and territory.
What are the 2026 federal tax brackets in Canada?
14% on the first $58,523 of taxable income, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482 and 33% above that. The basic personal amount is $16,452, reduced gradually to $14,829 as net income rises from $181,440 to $258,482.
How much CPP and EI will I pay in 2026?
CPP is 5.95% of earnings between $3,500 and $74,600, up to $4,230.45, plus CPP2 of 4% on earnings from $74,600 to $85,000, up to $416. EI is 1.63% of earnings up to $68,900, a maximum of $1,123.07. In Quebec, QPP is 6.30%, EI is 1.30% and QPIP adds 0.43%.
How is Quebec income tax different?
Quebec residents file a separate Quebec return, so provincial tax is collected by Revenu Québec, not the CRA. In exchange, federal tax is cut by the 16.5% Quebec abatement. On $75,000 in 2026 that means $6,855.72 federal and $8,465.84 Quebec tax, and take-home pay of about $53,965 after QPP, EI and QPIP.
Sources
The rates and rules in this tool come from:
- Canada Revenue Agency: Canadian income tax rates for individuals, current and previous years
- Canada Revenue Agency: T4127 jan payroll deductions formulas computer programs
- Canada Revenue Agency: T4127 jul payroll deductions formulas
- Canada Revenue Agency: CPP contribution rates, maximums and exemptions
- Canada Revenue Agency: Second additional CPP (CPP2) contribution rates and maximums
- Canada Revenue Agency: EI premium rates and maximums
- Canada Revenue Agency: Adjustment personal income tax benefit amounts
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