Canada Income Tax Calculator
Estimate Canadian federal and provincial income tax, taxable income, marginal rate, effective rate, and take-home income.
Canada income tax inputs
Tax year 2026 · CRA federal + Ontario
Salary, wages, or self-employment income before deductions.
Determines provincial / territorial brackets and BPA.
Official CRA year for which brackets apply.
Self-employment, taxable interest, rental income, etc.
RRSP, union dues, and similar deductions from taxable income.
Total income tax
$13,264.75
Federal + ON · Tax year 2026
Take-home after income tax
$61,735.25
Gross + additional income minus federal + provincial tax.
Federal tax
$9,267.73
After $2,303.28 federal BPA credit.
ON provincial tax
$3,997.02
After $655.94 ON BPA credit.
Taxable income
$75,000.00
Gross $75,000.00 minus $0.00 pre-tax deductions.
Effective tax rate
17.69%
Total tax ÷ gross income.
Marginal tax rate
29.65%
Combined federal (20.50%) + ON (9.15%).
BPA credit applied
$2,959.22
Federal + ON BPA non-refundable credits.
Federal Tax Bracket Breakdown
| Bracket rate | Income in bracket | Bracket range | Tax |
|---|---|---|---|
| 14.00% | $58,523.00 | $0.00 – $58,523.00 | $8,193.22 |
| 20.50% | $16,477.00 | $58,523.00 – $117,045.00 | $3,377.79 |
Ontario Tax Bracket Breakdown
| Bracket rate | Income in bracket | Bracket range | Tax |
|---|---|---|---|
| 5.05% | $53,891.00 | $0.00 – $53,891.00 | $2,721.50 |
| 9.15% | $21,109.00 | $53,891.00 – $107,785.00 | $1,931.47 |
Note: Ontario surtax (20% / additional 36% above thresholds) and Ontario Health Premium are not modelled.
This calculator provides an estimate for educational purposes only and is not tax advice. Actual tax liability may vary based on deductions, credits, local rules, residency, benefits, and personal circumstances. Always verify with official tax authorities or a qualified tax professional.
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How to read your results
Progressive brackets
Income within each bracket is taxed at that bracket's rate. Federal and provincial brackets are applied separately and added together.
Marginal vs effective
Marginal rate is the combined federal + provincial rate on your next dollar. Effective rate is your total tax divided by your gross income.
Income tax only
CPP, EI, OAS clawback, provincial surtaxes / health premiums, Quebec Abatement, and most credits beyond the BPA are not modelled.
Formula
How Canadian income tax is calculated
Taxable income
Taxable income = gross income + additional taxable income − pre-tax deductions.
Federal + provincial tax
Federal tax = progressive federal brackets on taxable income, minus the federal BPA credit (lowest rate × BPA). Provincial tax is computed the same way with provincial brackets and BPA.
Total tax & take-home
Total tax = federal tax + provincial tax (each floored at $0). Take-home = gross + additional income − total tax.
FAQ
Canada income tax calculator questions
Canada applies federal tax brackets on taxable income, plus your province or territory of residence applies its own brackets. Each portion of taxable income is taxed at the rate of the bracket it falls into. A non-refundable Basic Personal Amount (BPA) credit reduces tax at the lowest federal and provincial rates.