Tax calculators

Canada Income Tax Calculator: calculate your annual federal + provincial tax

Canada income tax calculator
Estimate federal + provincial income tax with Ontario surtax/health premium and totals.
Estimated amount
0,00 CAD
Total income0,00 CAD
Federal tax0,00 CAD
Provincial tax0,00 CAD
CPP/EI premiums0,00 CAD
Total tax0,00 CAD
After-tax income0,00 CAD
Average tax rate0%
Marginal tax rate19.05%

Examples

Ontario employee (2026)
Income $80,000 → federal + ON tax ≈ $14,226.12.
Alberta employee with RRSP
Income $120,000, RRSP $10,000 → total tax ≈ $22,917.78.
This calculator estimates annual Canadian personal income tax (federal + selected province) using CRA payroll tables for 2026. Enter your income, province, and optional deductions like RRSP. It returns federal tax, provincial tax, and province add-ons (such as Ontario surtax/health premium) plus totals. Built-in provinces for 2026: Ontario, Alberta, Manitoba, Saskatchewan, New Brunswick, Nova Scotia, Newfoundland & Labrador, Prince Edward Island. Quebec and other provinces can be handled with manual province parameters in Advanced mode. Verified 28/01/2026. Informational estimate only—final returns can differ due to additional credits, income types, or payroll timing.

FAQs

Is this my exact tax bill?

No. It’s an estimate using CRA payroll deduction methodology and standard credits; returns can differ due to other income and credits.

What’s the difference between gross income and taxable income?

Taxable income is gross income minus deductions like RRSP and eligible expenses.

Do CPP and EI reduce income tax?

They don’t reduce taxable income, but they increase non-refundable credit bases that reduce tax payable.

What is the Canada Employment Amount (CEA)?

A non-refundable credit for employment income; for 2026 it’s the lesser of $1,501 and employment income.

Why does Ontario show a health premium?

Ontario applies a health premium based on taxable income, up to $900.

What is Ontario surtax and when does it apply?

Ontario surtax applies when basic provincial tax exceeds certain thresholds (e.g., $5,818 and $7,446 in 2026).

I live in Quebec—why is this different?

Quebec residents receive a federal abatement (16.5%), and Quebec provincial tax is administered separately; use manual parameters for QC.

Why might my paycheck withholding differ from this annual estimate?

Payroll withholding uses per-pay-period calculations and TD1 claims; annual totals can differ due to timing and other income/credits.

Can I use this for self-employment income?

Not accurately by default—self-employed CPP rules differ and more deductions may apply.

Note: This calculator provides an estimate. Rates can vary by region and change over time. It is not tax advice.

See more in calculators for Canada.

Sources

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