Detailed Canadian income tax calculator (2026)
Estimate your 2026 federal and provincial income tax with several kinds of income and deductions. See a line-by-line breakdown and your marginal tax rate on each type of income. For salary only, the simple calculator is quicker.
Assumptions
- Single person, full-year resident of the province chosen, no dependants.
- Credits used: basic personal amount (with high-income phase-outs), Canada employment amount, CPP and EI, age amount (65+), pension amount and dividend tax credits.
- Dividends are grossed up (38% eligible, 15% non-eligible) and get federal and provincial dividend tax credits. Capital gains are 50% taxable.
- Self-employed CPP: you pay both shares (11.9% and 8% on CPP2). Half of the base part gets a credit; the employer share and the enhanced parts are deducted. EI on self-employment is optional and not included.
- Ontario: surtax, tax reduction and Ontario Health Premium included. BC: BC tax reduction included. Alberta: the new supplemental credit for credits above $4,896 included.
- Pension income: for under 65, enter only pension that qualifies at any age (for example a registered pension plan annuity).
Estimate only, not tax advice. This calculator uses 2026 federal and provincial rates and common credits for a single person with no dependants. It leaves out many credits and deductions (spouse, dependants, tuition, medical, donations, disability, low-income reductions outside Ontario and BC, AMT, OAS clawback and refundable benefits). Your actual tax return or payroll deductions can differ. Quebec is not supported because it has its own tax system.
Sources
- CRA T4127 Payroll Deductions Formulas, January 2026 (brackets, credits, CPP, EI, Ontario surtax and health premium)
- CRA T4127, July 2026 (BC 5.60% rate and $690 tax reduction, Newfoundland and Labrador $13,094 basic amount, PEI 20% bracket over $200,000)
- CRA indexed 2026 personal amounts (age amount, pension amount)
- Provincial age and pension amounts and dividend tax credit rates (TaxTips.ca summaries of provincial budgets)
Figures checked November 2, 2026. Annual 2026 rates are used, not the prorated mid-year payroll rates.