Canada Income Tax Calculator
Work out your federal and provincial income tax, CPP and EI in one step, and see your salary after tax. This Canada income tax calculator turns your gross pay into take-home pay for 2026, by province or territory, with a yearly, monthly and weekly breakdown.
How the calculator works
Exactly what the calculator does with your salary, and every assumption it makes along the way.
How we work out your take-home pay
Every rate and threshold below comes from the Canada Revenue Agency and the 2026 payroll figures, last checked on . Anything outside the calculation is listed with your result as a stated exclusion.
Step by step
- We start with your annual gross income.
- Federal income tax is applied on the 2026 brackets: 14% up to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, then 33%.
- Provincial or territorial income tax is applied on your province’s own 2026 brackets, chosen from the province field.
- The federal basic personal amount ($16,452 for 2026), your province’s basic personal amount and the Canada employment amount are taken off as tax credits.
- CPP is deducted at 5.95% on earnings between the $3,500 basic exemption and the $74,600 ceiling, plus CPP2 at 4% on earnings from $74,600 to $85,000.
- EI is deducted at 1.63% on the first $68,900 of insurable earnings.
- Income tax, CPP and EI come off your gross pay. What is left is your take-home pay, shown per year, month and week.
Assumptions we make
- You are an employee on a standard contract, not self-employed;
- You are resident in the same province or territory for the full tax year;
- Only the federal and provincial basic personal amounts and the Canada employment amount are applied; other credits are left out;
- Provincial surtaxes and health premiums are not included;
- Employer CPP and EI contributions stay outside take-home pay because the employer pays them;
- Pay is spread evenly across the year rather than per pay period.
When this is the wrong tool
The calculator assumes you are an employee, tax-resident for the whole year. If you are self-employed, moved province or country mid-year, or take a large part of your pay as bonus, commission or stock, the figure will be too generous. Quebec is not covered because it runs its own income tax, QPP and QPIP.
| Gross salary | $70,000 |
|---|---|
| Federal and provincial income tax | $11,573 |
| CPP contribution | $3,957 |
| EI premium | $1,123 |
| Take-home pay | $53,347 |
| Average tax rate | 23.8% |
What each field means
Each field below carries a definition and the effect it has on the calculated figure.
Gross (pre-tax) income
Your full pay before federal and provincial tax, CPP and EI.
Every figure in the result is derived from this. Enter it yearly, monthly or weekly and we’ll convert it for you.
Province or territory
Where you are resident on 31 December of the tax year.
Provincial income tax brackets and basic personal amounts vary widely, so the same salary produces a different result by province. Quebec is not included.
Tax year
The tax year covered by this calculation (2026).
Rates, brackets and the CPP and EI ceilings are set per year. The year decides which rules apply.
RRSP contribution
Registered Retirement Savings Plan contributions you make yourself.
RRSP contributions reduce taxable income, so they lower federal and provincial income tax but not CPP or EI.
Exclude CPP and EI? (advanced)
Turns off CPP and EI so you can see income tax on its own.
Useful when you are comparing headline income tax rates between provinces or countries.
Understanding income tax and take-home pay in Canada
Federal and provincial income tax
Canadians pay two income taxes on the same salary: a federal tax and a provincial or territorial tax, each with its own brackets and its own basic personal amount. Both are withheld together on your pay stub, which is why a single “income tax” line can be hard to reconcile.
The federal brackets for 2026 are:
| Taxable income | Federal rate |
|---|---|
| $0 to $58,523 | 14% |
| $58,523 to $117,045 | 20.5% |
| $117,045 to $181,440 | 26% |
| $181,440 to $258,482 | 29% |
| Over $258,482 | 33% |
On top of that, each province and territory sets its own rates. The gap is large: the same $70,000 salary leaves noticeably more in the territories or Alberta than in Nova Scotia or Prince Edward Island. Quebec runs its own income tax through Revenu Québec and is not covered here.
CPP, CPP2 and EI
Two payroll deductions come off alongside income tax. The Canada Pension Plan (CPP) is deducted at 5.95% on earnings between the $3,500 basic exemption and the $74,600 ceiling (the year’s maximum pensionable earnings), for a maximum base contribution of $4,230.45 in 2026. A second tier, CPP2, adds 4% on earnings between $74,600 and $85,000, up to $416. Employment Insurance (EI) premiums are 1.63% on the first $68,900 of insurable earnings, to a maximum of $1,123.07.
All three stop once you reach their annual maximums, which is why take-home pay often rises partway through the year for higher earners. Quebec residents contribute to the Quebec Pension Plan (QPP) and the Quebec Parental Insurance Plan (QPIP) instead of CPP and the full federal EI rate.
Income tax by province: $70,000 salary
Take-home pay on a $70,000 salary in 2026, by province or territory, after federal and provincial income tax, CPP and EI. Enter your own figure above for an exact result.
| Province or territory | Take-home per year | Take-home per month | Average tax rate |
|---|---|---|---|
| Nunavut | $54,446 | $4,537 | 22.2% |
| Northwest Territories | $53,371 | $4,448 | 23.8% |
| Ontario | $53,347 | $4,446 | 23.8% |
| British Columbia | $53,223 | $4,435 | 24.0% |
| Yukon | $53,161 | $4,430 | 24.1% |
| Alberta | $52,932 | $4,411 | 24.4% |
| Saskatchewan | $51,367 | $4,281 | 26.6% |
| New Brunswick | $50,777 | $4,231 | 27.5% |
| Manitoba | $50,593 | $4,216 | 27.7% |
| Newfoundland and Labrador | $50,300 | $4,192 | 28.1% |
| Prince Edward Island | $50,121 | $4,177 | 28.4% |
| Nova Scotia | $49,242 | $4,103 | 29.7% |
Figures use the federal and provincial basic personal amounts and the Canada employment amount. Provincial surtaxes in Ontario and Prince Edward Island, health premiums, and income-tested credits are not included.
Take-home pay by salary in Ontario
Salary after tax for an Ontario employee on 2026 rates, with no RRSP or other deductions.
| Gross salary | Income tax | CPP + EI | Take-home per year | Take-home per month |
|---|---|---|---|---|
| $30,000 | $2,547 | $2,066 | $25,387 | $2,116 |
| $40,000 | $4,452 | $2,824 | $32,724 | $2,727 |
| $50,000 | $6,357 | $3,582 | $40,061 | $3,338 |
| $60,000 | $8,608 | $4,340 | $47,052 | $3,921 |
| $70,000 | $11,573 | $5,080 | $53,347 | $4,446 |
| $80,000 | $14,538 | $5,570 | $59,892 | $4,991 |
| $100,000 | $20,468 | $5,770 | $73,762 | $6,147 |
| $120,000 | $26,807 | $5,770 | $87,424 | $7,285 |
| $150,000 | $37,955 | $5,770 | $106,276 | $8,856 |
| $200,000 | $57,646 | $5,770 | $136,584 | $11,382 |
Canada income tax calculator FAQs
How do I calculate income tax in Canada?
Apply the federal brackets to your taxable income, then your province’s brackets, then subtract the basic personal amounts. Add CPP at 5.95% (above the $3,500 exemption) and EI at 1.63%. This calculator does all of that for 2026 once you enter your gross pay and province, and shows the take-home figure per year, month and week.
What are the federal income tax brackets for 2026?
14% up to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, and 33% above that. The lowest rate dropped from 15% to 14% for 2026. The federal basic personal amount is $16,452, so no federal tax is due on income below that. Each province adds its own brackets on top.
How much are CPP and EI in 2026?
The maximum CPP contribution is $4,646.45 and the maximum EI premium is $1,123.07. CPP is 5.95% on earnings between $3,500 and the $74,600 ceiling, plus CPP2 at 4% on earnings from $74,600 to $85,000. EI is 1.63% on the first $68,900 of insurable earnings. Your employer pays a matching amount separately.
Which province has the lowest income tax?
At a $70,000 salary the territories, Ontario, British Columbia and Alberta leave the most in your pocket, and Nova Scotia and Prince Edward Island the least. Rankings shift with income because each province indexes its own brackets and basic personal amount, and Ontario and PEI add a surtax at higher incomes. Use the province table above for a $70,000 comparison, or enter your own figure.
What is the difference between CPP and QPP, and what is QPIP?
CPP applies everywhere except Quebec, which runs the Quebec Pension Plan (QPP) instead. QPP has a higher contribution rate than CPP. Quebec also runs the Quebec Parental Insurance Plan (QPIP), which is why Quebec employees pay a lower federal EI rate. Quebec income tax is collected by Revenu Québec, so Quebec is not included in this calculator.
What is my take-home pay on $70,000 in Ontario?
About $53,350 a year, or roughly $4,446 a month. That is after around $11,573 in federal and provincial income tax and $5,080 in CPP and EI, an average tax rate of about 23.8%. A raise is taxed at your marginal rate of about 29.7% until you pass $107,785.
Reviewed by a Canadian tax specialist
Your Canadian tax figures, checked by Nathan
Nathan has spent 10 years on federal and provincial returns, and checks the figures this calculator produces against the CRA schedules each year.
- Federal income tax
- Provincial income tax
- CPP
- EI
- RRSP planning
- Payroll compliance
Need help filing your Canadian tax return?
Nathan and the Canadian filing team prepare, review and file the return for you. Packages start at CAD $89.