Canada Income Tax & Take-Home Pay Calculator
See what you keep in 2026 after federal and provincial income tax, CPP and EI. Every province and territory except Quebec, built on the CRA's own payroll formulas.
Where each dollar goes
| Item | Per year | Per month | Share of gross |
|---|
Show the working
Your take-home pay in every province and territory
At the same income and RRSP contribution. Quebec is not included.
| Province or territory | Take-home per year | Income tax | Average rate |
|---|
Income tax by province and territory
Take-home pay at every income level, the brackets and what is specific to each place: Ontario · British Columbia · Alberta · Saskatchewan · Manitoba · New Brunswick · Nova Scotia · Prince Edward Island · Newfoundland and Labrador · Yukon · Northwest Territories · Nunavut
How your take-home pay is worked out
Your take-home pay is your gross income minus five things. The calculator follows the Canada Revenue Agency's payroll formulas for 2026 (the same ones employers use), step by step:
- CPP and CPP2. 5.95% of pay between $3,500 and $74,600 (up to $4,230.45), plus 4% of pay between $74,600 and $85,000 (up to $416).
- EI. 1.63% of pay up to $68,900 (up to $1,123.07).
- Taxable income. Your income minus any RRSP contribution, minus the enhanced part of CPP (1%) and all of CPP2, which are tax deductions.
- Federal income tax. Tax by bracket, then credits at the lowest rate (14%) for the basic personal amount, CPP, EI and the Canada employment amount.
- Provincial or territorial income tax. The same idea with your province's brackets and credits, plus its extras: Ontario's surtax, Health Premium and tax reduction, Alberta's supplemental credit, and British Columbia's tax reduction.
2026 federal tax brackets
| Taxable income over | Up to | Rate |
|---|---|---|
| $0 | $58,523 | 14% |
| $58,523 | $117,045 | 20.5% |
| $117,045 | $181,440 | 26% |
| $181,440 | $258,482 | 29% |
| $258,482 | and above | 33% |
The federal basic personal amount is $16,452 and is reduced gradually to $14,829 as income rises from $181,440 to $258,482. The lowest federal rate fell from 15% to 14% for 2026.
2026 provincial and territorial rates
Rates and thresholds are the CRA's published 2026 figures. The basic personal amount is the credit everyone gets before any other claims.
| Province or territory | Basic personal amount | Rates on taxable income |
|---|---|---|
| Alberta | $22,769 | 8% to $61,200; 10% to $154,259; 12% to $185,111; 13% to $246,813; 14% to $370,220; 15% above $370,220 |
| British Columbia | $13,216 | 5.6% to $50,363; 7.7% to $100,728; 10.5% to $115,648; 12.29% to $140,430; 14.7% to $190,405; 16.8% to $265,545; 20.5% above $265,545 |
| Manitoba | $15,780 (phased out between $200,000 and $400,000) | 10.8% to $47,000; 12.75% to $100,000; 17.4% above $100,000 |
| New Brunswick | $13,664 | 9.4% to $52,333; 14% to $104,666; 16% to $193,861; 19.5% above $193,861 |
| Newfoundland and Labrador | $13,094 | 8.7% to $44,678; 14.5% to $89,354; 15.8% to $159,528; 17.8% to $223,340; 19.8% to $285,319; 20.8% to $570,638; 21.3% to $1,141,275; 21.8% above $1,141,275 |
| Northwest Territories | $18,198 | 5.9% to $53,003; 8.6% to $106,009; 12.2% to $172,346; 14.05% above $172,346 |
| Nova Scotia | $11,932 | 8.79% to $30,995; 14.95% to $61,991; 16.67% to $97,417; 17.5% to $157,124; 21% above $157,124 |
| Nunavut | $19,659 | 4% to $55,801; 7% to $111,602; 9% to $181,439; 11.5% above $181,439 |
| Ontario | $12,989 | 5.05% to $53,891; 9.15% to $107,785; 11.16% to $150,000; 12.16% to $220,000; 13.16% above $220,000 |
| Prince Edward Island | $15,000 | 9.5% to $33,928; 13.47% to $65,820; 16.6% to $106,890; 17.62% to $142,520; 19% to $200,000; 20% above $200,000 |
| Saskatchewan | $20,381 | 10.5% to $54,532; 12.5% to $155,805; 14.5% above $155,805 |
| Yukon | same as the federal amount | 6.4% to $58,523; 9% to $117,045; 10.9% to $181,440; 12.8% to $500,000; 15% above $500,000 |
Ontario adds a surtax (20% of Ontario tax above $5,818 and a further 36% above $7,446) and a Health Premium of up to $900. Alberta's 8% rate on the first $61,200 is new for 2025 and 2026.
Take-home pay at different incomes
| Province | Income | Income tax | CPP + EI | Take-home | Average rate |
|---|---|---|---|---|---|
| Ontario | $60,000 | $8,320 | $4,340 | $47,340 | 13.9% |
| Ontario | $100,000 | $20,024 | $5,770 | $74,207 | 20.0% |
| British Columbia | $100,000 | $18,857 | $5,770 | $75,374 | 18.9% |
| Alberta | $100,000 | $19,772 | $5,770 | $74,459 | 19.8% |
The higher Ontario income pays more than $7,963 more federal tax, but its average rate is 20.0% against 13.9%, because only the income above each bracket threshold is taxed at the higher rate. Alberta's lower rates leave $252 more a year at $100,000 than Ontario.
The same $75,000 in every province and territory
| Province or territory | Take-home | Income tax | Average rate |
|---|---|---|---|
| Nunavut | $58,819 | $10,812 | 14.4% |
| Northwest Territories | $57,763 | $11,867 | 15.8% |
| British Columbia | $57,711 | $11,920 | 15.9% |
| Yukon | $57,655 | $11,975 | 16.0% |
| Alberta | $57,362 | $12,269 | 16.4% |
| Ontario | $56,926 | $12,704 | 16.9% |
| Saskatchewan | $55,806 | $13,824 | 18.4% |
| New Brunswick | $55,101 | $14,529 | 19.4% |
| Manitoba | $55,025 | $14,606 | 19.5% |
| Newfoundland and Labrador | $54,736 | $14,894 | 19.9% |
| Prince Edward Island | $54,316 | $15,315 | 20.4% |
| Nova Scotia | $53,423 | $16,207 | 21.6% |
Checked against the CRA's own examples
The CRA's Ontario payroll guide for 2026 works two examples through line by line. In its first, a person earning $1,300 a week with an $80 weekly RRSP contribution has $9,222.11 of income tax for the year. This calculator gives $9,222.19 for the same person; the few cents of difference come from the CRA rounding CPP each week. In the second example the tax on a taxable income of $79,872.00 is $9,406.39 federal and $4,957.90 Ontario, and this calculator reproduces both to the cent. These checks run automatically whenever the site is built.
What is included, and what is not
Included: federal and provincial or territorial income tax, CPP, CPP2, EI, RRSP contributions, the basic personal amount, the Canada employment amount, and each province's built-in extras listed above.
Not included: Quebec; spouse, dependant, disability, tuition, medical, donation and other credits; employer pension plan contributions, union dues and taxable benefits; bonuses, self-employment and investment income; and refundable credits and benefits such as the Canada Workers Benefit, GST/HST credit or Canada Child Benefit. The result is an estimate for a person with one steady employment income and the basic credits only.
If your province changed its rates during 2026 (BC, Newfoundland and Labrador, and Prince Edward Island did), the calculator uses the CRA's full-year values. BC's lowest rate is 5.60% for the whole year, although payroll catches up at 6.14% from July 1.
Related calculators
To work out the pay itself, the salary converter turns an hourly rate into an annual salary and back. To see how much house a take-home pay supports, try the Canadian affordability and stress test calculator, and for what to charge customers once you are earning, the GST/HST and PST calculator.