2026 rates and amounts from the CRA. Left out: surtaxes other than Ontario's, low-income reductions, and Quebec credits beyond the basic amount. An estimate, not tax advice.
Enter your gross yearly salary and the province or territory you live in. The calculator takes off what an employer withholds and what you owe on your 2026 return: federal and provincial income tax, Canada Pension Plan contributions (Quebec Pension Plan in Quebec) and Employment Insurance premiums. In Quebec it also takes off the Quebec Parental Insurance Plan premium and applies the 16.5 % federal abatement.
Federal tax uses the 2026 brackets, starting at 14 %, and the basic personal amount, which shrinks for incomes above 181,440 dollars.
Each province and territory has its own brackets and basic personal amount. Credits are worked out at the lowest rate of each jurisdiction, as on the return.
CPP is 5.95 % of earnings between 3,500 and 74,600 dollars, plus 4 % between 74,600 and 85,000 (CPP2). EI is 1.63 % up to 68,900 dollars.
Ontario residents also pay the Ontario surtax and the Ontario Health Premium, which are included.
The result is an estimate for a single job and a full year. It leaves out low-income tax reductions, refundable credits such as the Canada Workers Benefit, and deductions like RRSP contributions or union dues. Your pay stub can also differ month to month because payroll spreads the tax over the year and some 2026 changes in BC, Newfoundland and Labrador and PEI took effect on July 1.
Frequently asked questions
Why is my CPP contribution lower than 5.95 % of my salary?
CPP is not charged on the first 3,500 dollars you earn in the year, and it stops at the 2026 ceiling of 74,600 dollars. Above that, a second contribution of 4 % applies only up to 85,000 dollars. So the effective share falls as your salary rises past those amounts.
Does living in Quebec change the result?
Yes. Quebec residents file a separate provincial return with Revenu Québec, contribute to the Quebec Pension Plan at 6.30 % instead of CPP, pay a lower EI rate of 1.30 % and pay the Quebec Parental Insurance Plan premium. In return, their federal tax is cut by the 16.5 % Quebec abatement.
Which province's tax applies if I moved during the year?
For a full year, you pay provincial or territorial tax to the place where you lived on December 31, 2026, even if you worked somewhere else for part of the year. Pick that province in the calculator.
Indicative results. This is not financial advice.
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