Canada Income Tax Calculator 2026
Pick your province and salary to see federal tax, provincial tax, CPP and EI split out.
Tax year 2026 · CAD
Canada take-home pay calculator
Results update instantly as you type — no button to press.
$62,677/ year
Monthly
$5,223
Weekly
$1,205
$22,323
26.3%
Where the money goes
| Item | Annual | Monthly | % of gross |
|---|---|---|---|
| Gross salary | $85,000 | $7,083 | 100% |
| Federal income taxBasic personal amount $16,129What is this? See how the tax brackets are applied | −$11,850 | −$988 | 13.9% |
| Ontario provincial tax | −$4,965 | −$414 | 5.8% |
| CPP contributionsIncludes CPP2 on earnings above $71,300What is this? Read our guide to CPP and EI deductions | −$4,430 | −$369 | 5.2% |
| Employment Insurance (EI)1.64% up to $65,700What is this? Read our guide to CPP and EI deductions | −$1,077 | −$90 | 1.3% |
| Net take-home | $62,677 | $5,223 | 73.7% |
Estimates for a standard employee using published 2026 rates. Personal reliefs, credits, pension contributions and local levies can change your actual figure.
About this calculator
Canadian employees pay income tax twice — once federally, once provincially — plus mandatory Canada Pension Plan contributions and Employment Insurance premiums. Provincial rates differ enough that the same salary produces noticeably different take-home pay in Alberta, Ontario, British Columbia and Quebec.
This calculator applies the federal bracket table with the basic personal amount credit, then adds your chosen province's own brackets and credit, and finally deducts CPP (including the CPP2 tier on higher earnings) and EI up to their annual maximums.
Because CPP and EI both stop once you hit their ceilings, high earners often notice their net pay quietly rising later in the year — the calculator shows the full-year average rather than that month-to-month pattern.
How the Canada calculation works
Federal tax runs from 15% on the first bracket up to 33% on income above roughly $253,000, reduced by the basic personal amount credit. Provincial tax is calculated separately on the same income using that province's brackets and its own basic personal amount.
CPP contributions are 5.95% of pensionable earnings between $3,500 and the year's maximum pensionable earnings, with a second CPP2 tier at 4% on earnings between that ceiling and the upper limit. EI premiums are 1.64% up to the maximum insurable earnings.
- Federal brackets of 15%, 20.5%, 26%, 29% and 33%.
- Provincial brackets for Ontario, British Columbia, Alberta and Quebec.
- Basic personal amount credits applied both federally and provincially.
- CPP at 5.95% between $3,500 and $71,300, plus CPP2 at 4% up to $81,200.
- EI at 1.64% on insurable earnings up to $65,700.
- Provincial surtaxes and health premiums, and Quebec's separate QPP/QPIP, are simplified.