Canadian Tax, Pay and Savings Calculators for 2026
These 9 Canadian tax calculators use 2026 rates from the CRA and each province's employment standards, starting from the new 14% lowest federal rate and a $16,452 basic personal amount. Choose your calculator and province to see the rules that apply where you work.
Updated Source CRA and provincial lawHow we check figures
| Federal income tax, 2026 | |
| Basic personal amount | $16,452 |
| Up 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% |
| Payroll and savings | |
| CPP rate to $74,600 | 5.95% |
| CPP2 rate to $85,000 | 4% |
| EI rate to $68,900 | 1.63% |
| RRSP dollar limit | $33,810 |
| TFSA annual limit | $7,000 |
CRA rates for 2026. Provincial or territorial tax is added on top; Quebec runs QPP and QPIP.
Where we are in the 2026 tax year
Day 288 of 365, from to
- 2025 returns filed and balance paid
- Self-employed 2025 filing deadline
- Last 2026 instalment for those who pay them61 days to go
- Last day of the 2026 tax year
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All Canadian calculators
9 calculators for Canada, grouped by what they work out. Rows marked 2026 have been rebuilt and re-checked for the current tax year.
Vacation pay calculator
Vacation pay and weeks by province, including when the third week starts.
Income tax calculator
Federal and provincial income tax on your income, with your average and marginal tax rates.
Overtime pay calculator
Overtime hours and pay under each province's daily and weekly rules, including BC double time after 12 hours.
Showing calculators that match "".
Income tax calculators 2 calculators
Federal and provincial income tax. Every province and territory adds its own tax to the federal amount, so the same salary is taxed differently across the country.
- Income tax calculator
Federal and provincial income tax on your income, with your average and marginal tax rates.
- Provincial income tax comparison
Income tax on the same salary in every province and territory, side by side.
13Provinces and territories
Pay and employment standards calculators 5 calculators
Vacation pay, overtime, severance, minimum wage and hours. Each province and territory sets its own employment standards, and federally regulated workplaces follow the Canada Labour Code.
- Vacation pay calculator
Vacation pay and weeks by province, including when the third week starts.
6%Ontario rate after 5 years - Overtime pay calculator
Overtime hours and pay under each province's daily and weekly rules, including BC double time after 12 hours.
2xBC rate after 12 hours - Severance pay calculator
Statutory notice and severance in all 14 jurisdictions, with a common-law range for comparison.
8 wksLongest federal notice - Minimum wage calculator
Pay at the minimum wage in any province or territory, by hour, week and year.
14Jurisdictions covered - Time card calculator
Total hours worked from start and finish times and breaks, with gross pay at your hourly rate.
RRSP and TFSA calculators 2 calculators
RRSP contributions and the tax they save, and how a TFSA could grow tax-free within your contribution room.
- RRSP calculator
How RRSP contributions could grow, and the income tax they could save at your marginal rate.
- TFSA calculator
How savings in a TFSA could grow tax-free over time, within your contribution room.
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Canadian tax and payroll rates for 2026 at a glance
Federal income tax for 2026 is 14% on the first $58,523 of taxable income, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above, with a basic personal amount of $16,452. 2026 is the first full year at 14%, down from a blended 14.5% for 2025. Provincial or territorial tax is charged on top.
| Federal bracket | Taxable income | Rate |
|---|---|---|
| First | Up to $58,523 | 14% |
| Second | $58,523 to $117,045 | 20.5% |
| Third | $117,045 to $181,440 | 26% |
| Fourth | $181,440 to $258,482 | 29% |
| Fifth | Over $258,482 | 33% |
| Figure | Applies to | 2026 |
|---|---|---|
| CPP employee rate | Earnings from $3,500 to $74,600 | 5.95% |
| CPP2 employee rate | Earnings from $74,600 to $85,000 | 4% |
| EI employee rate | Insurable earnings up to $68,900, outside Quebec | 1.63% |
| Maximum EI premium | Employee, outside Quebec | $1,123.07 |
| RRSP dollar limit | 18% of 2025 earned income, up to | $33,810 |
| TFSA annual limit | New room added on 1 January 2026 | $7,000 |
| GST | Alberta, territories, and the federal part elsewhere | 5% |
On $60,000 of taxable income in 2026, federal tax is $8,496.01 before credits (14% of $58,523 plus 20.5% of the $1,477 above it). The basic personal amount credit takes off $2,303.28, leaving $6,192.73 before CPP, EI and other credits and before provincial tax. The income tax calculator adds your province.
Which Canadian calculator answers your question
The right Canadian calculator depends on whether the rule is federal or provincial: the CRA sets income tax, CPP, EI, RRSP and TFSA limits, while vacation pay, overtime, minimum wage and severance come from your province's employment standards, or the Canada Labour Code if your employer is federally regulated.
| Your question | Use this calculator | Have this ready |
|---|---|---|
| How much income tax will I pay? | Income tax | Taxable income and province of residence on 31 December |
| Would I pay less tax in another province? | Provincial comparison | Your annual salary |
| How much vacation pay am I owed? | Vacation pay | Vacationable earnings, province and years of service |
| Is my overtime paid correctly? | Overtime pay | Hourly rate and hours worked each day of the week |
| What notice or severance am I owed? | Severance pay | Years of service, weekly pay and jurisdiction |
| What does minimum wage pay a week? | Minimum wage | Province and hours a week |
| How many hours did I work? | Time card | Start, finish and break times |
| How much tax will an RRSP contribution save? | RRSP | Contribution room from your notice of assessment |
| How could my TFSA grow? | TFSA | Balance, contributions and expected return |
How the rules differ by province and territory
Each of the 13 provinces and territories sets its own vacation, overtime and sales tax rules, and the gaps are large: the third week of vacation starts after 3 years in Quebec but after 15 years in Newfoundland and Labrador, and weekly overtime starts after 40, 44 or 48 hours depending on where you work.
| Jurisdiction | Third vacation week after | Overtime after | Sales tax |
|---|---|---|---|
| Federal (Canada Labour Code) | 5 years | 8 a day or 40 a week | By province |
| Alberta | 5 years | 8 a day or 44 a week | 5% |
| British Columbia | 5 years | 8 a day or 40 a week; double time after 12 a day | 12% |
| Manitoba | 5 years | 8 a day or 40 a week | 12% |
| New Brunswick | 8 years | 44 a week | 15% |
| Newfoundland and Labrador | 15 years | 40 a week | 15% |
| Nova Scotia | 8 years | 48 a week | 14% |
| Ontario | 5 years | 44 a week | 13% |
| Prince Edward Island | 8 years | 48 a week | 15% |
| Quebec | 3 years | 40 a week | 14.975% |
| Saskatchewan | 3 weeks from the first year | 8 a day or 40 a week | 11% |
| Northwest Territories | 6 years | 8 a day or 40 a week | 5% |
| Nunavut | 5 years | 8 a day or 40 a week | 5% |
| Yukon | No statutory third week | 8 a day or 40 a week | 5% |
In Nova Scotia, New Brunswick and Newfoundland and Labrador, statutory overtime is 1.5 times the minimum wage, not 1.5 times your own rate. A contract can pay more, but the statutory floor is lower than most people expect.
The Canadian tax year and the dates that matter
Canada taxes individuals by calendar year, so the 2026 tax year runs from to . Returns for 2026 are due on , and RRSP contributions made by can be deducted on the 2026 return.
| Date | What happens |
|---|---|
| New brackets, CPP and EI rates apply; $7,000 of new TFSA room added | |
| 2025 returns due and any balance owing paid | |
| 2025 returns due for self-employed people and their spouses; balance still due 30 April | |
| 2026 tax year ends; last day for most 2026 deductions | |
| Last day for RRSP contributions deductible on the 2026 return | |
| 2026 returns due and balance paid |
What changed for 2026
For 2026 the lowest federal rate is 14% for the whole year, federal brackets rose by 2% for inflation, and the CPP and EI earnings ceilings went up, so most employees pay slightly more in payroll contributions but less federal income tax.
| Figure | 2025 | 2026 |
|---|---|---|
| Lowest federal rate | 14.5% blended (15% to June, 14% from July) | 14% |
| CPP maximum pensionable earnings | $71,300 | $74,600 |
| EI maximum insurable earnings | $65,700 | $68,900 |
| RRSP dollar limit | $32,490 | $33,810 |
| TFSA annual limit | $7,000 | $7,000 |
Mistakes that give the wrong Canadian figure
The usual Canadian slips are using your work province instead of your home province for tax, using another province's vacation or overtime rules, and leaving vacation pay out of the earnings that vacation pay is calculated on.
Taxing by work province
Provincial income tax follows where you lived on 31 December, not where your employer is. Someone living in Gatineau and working in Ottawa files as a Quebec resident.
Borrowing another province's rules
A worker in Ontario with 5 years of service is owed 6% vacation pay; the same worker in Nova Scotia is owed 4% until 8 years. On $62,400 of earnings that is a $1,248 difference.
Paying overtime on the wrong threshold
Ontario counts overtime after 44 hours in a week with no daily limit, while Alberta pays whichever is greater of daily hours over 8 or weekly hours over 44. A 4-day week of 11-hour shifts has no Ontario overtime but 12 overtime hours in Alberta.
Mixing up RRSP room and the dollar limit
The $33,810 limit is a ceiling. Your own room is 18% of last year's earned income plus unused room carried forward, minus any pension adjustment, and it is printed on your notice of assessment.
How these Canadian calculators are built and checked
Each Canadian calculator takes its rates from the CRA, the Canada Labour Code or the employment standards legislation of each province and territory, models the formula independently, and must match that model on test cases for every jurisdiction before it is published.
When a rate changes, usually on 1 January for tax or on a province's minimum wage date, the calculator, its examples and its source dates are updated together. Read the full process in our Editorial Policy.
Frequently asked questions
Short answers to the questions people ask most about Canadian tax, pay and savings in 2026.
For 2026, federal tax is 14% up to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above. Provincial or territorial tax is added to the federal amount.
The federal basic personal amount for 2026 is $16,452. It is a credit at 14%, worth $2,303.28, and it shrinks for incomes above $181,440 to a minimum of $14,829 at $258,482 and over.
Vacation pay is a percentage of vacationable earnings: 4% for two weeks and 6% for three weeks in most provinces. When you reach the higher rate depends on the province, from 3 years in Quebec to 15 years in Newfoundland and Labrador.
Overtime starts after 40, 44 or 48 hours a week depending on the province, and some provinces also count hours over 8 in a day. Ontario uses 44 hours a week, Quebec 40, and Nova Scotia and Prince Edward Island 48.
Your 2026 RRSP limit is 18% of your 2025 earned income up to $33,810, plus unused room from earlier years, minus any pension adjustment. Your exact figure is on your latest notice of assessment.
The TFSA dollar limit for 2026 is $7,000. Unused room from earlier years carries forward, and withdrawals are added back to your room on 1 January of the following year.
It depends on income. Use the provincial comparison calculator to see tax on your own salary in every province and territory side by side, because the order changes as income rises.
Yes. Every calculator is free, with no account, no sign-up and no personal details asked for. The site is supported by labelled advertising kept away from inputs and results.
No. Results are estimates for planning, built from official rates and legislation. Credits, deductions, collective agreements and common-law notice can change the real figure, so confirm important numbers with the CRA, your employment standards office or a qualified adviser.
Sources
Every figure on this page comes from these official publications. Each calculator page lists its own sources as well.
- Canadian income tax rates for individuals, current and previous years, Canada Revenue Agency. Checked .
- CPP contribution rates, maximums and exemptions, Canada Revenue Agency. Checked .
- EI premium rates and maximums, Canada Revenue Agency. Checked .
- MP, DB, RRSP, DPSP, ALDA, TFSA limits and YMPE, Canada Revenue Agency. Checked .
- GST/HST provincial rates, Canada Revenue Agency. Checked .
- Canada Labour Code, R.S.C. 1985, c. L-2, Part III, including s.169 (standard hours of 8 a day and 40 a week) and s.174 (overtime at 1.5 times), Justice Laws. Checked .
- Your guide to the Employment Standards Act, 2000, Government of Ontario, with the equivalent employment standards publications of each province and territory. Checked .
- Important dates for individuals, Canada Revenue Agency. Checked .
Calculators for other countries
Tax years, rates and employment rules differ by country, so each one has its own set. Browse every calculator.
- United Kingdom calculators2026/27, 6 Apr to 5 Apr
Take-home pay, VAT, National Insurance, council tax, statutory pay, mortgages and student loans for 2026/27.
- Australia calculators2026-27, 1 Jul to 30 Jun
Income tax, GST, stamp duty, super, FBT, payroll tax and redundancy pay for 2026-27.
- New Zealand calculators2026/27, 1 Apr to 31 Mar
Minimum wage, paid parental leave and bright-line property tax for 2026/27.
- USA calculators2026, calendar year
FLSA overtime, pay stubs, savings goals and spousal support for 2026.
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Disclaimer
Calculation methodology sourced from official government publications. See our Editorial Policy for how we build and maintain our calculators.
Results are estimates for planning, not tax, legal or financial advice. Credits, deductions, collective agreements, contracts and common-law notice can change the real figure. Confirm important numbers with the CRA, your provincial employment standards office, your employer or a qualified adviser before acting.