Tax · Canada
Income tax.
See your full federal + provincial tax bill, net income, effective rate, and marginal rate for any income across any province.
Canadian income tax is charged in brackets: each slice of taxable income is taxed at its own federal rate and again at the provincial rate. This calculator adds both for your province and shows net income plus your average and marginal rates; it applies the basic personal amount only, not your other credits.
Source: CRA — T4127 Payroll Deductions Formulas, 122nd edition (January 2026); CRA — Current year tax rates and income brackets (2026) · As of
Cite this page: TNAADO Tools, “Income Tax Calculator Canada 2026”, https://tools.tnaado.ca/calculators/tax/income-tax/
Inputs
Your tax
Fill the form and press Calculate.
Income tax by province
This page covers every province and territory. If you only care about one, the province pages go further — they carry that province’s full bracket table, its own credits and the levies that exist nowhere else, with the source for every figure.
- Ontario income tax calculator — brackets, the two-tier surtax and the Ontario Health Premium.
- Quebec income tax calculator — Revenu Québec brackets and the 16.5% federal abatement.
- BC income tax calculator — all seven brackets and the BC tax reduction credit.
- Nova Scotia income tax calculator — five brackets and the flat $11,932 basic personal amount.
- Alberta income tax calculator — the 8% first bracket and Canada’s largest basic personal amount.
- Saskatchewan income tax calculator — three brackets and the $20,381 basic personal amount.
For take-home pay after CPP and EI rather than an annual tax bill, use the paycheque calculator.
Effective vs marginal rate
Effective rate = total tax / total income. This is what you pay on average.
Marginal rate = the rate on the next dollar of income. This is what you save by deducting an extra dollar (e.g. an RRSP contribution).
Worked example: $85,000 of income in Ontario
For $85,000 of taxable income in Ontario with no deductions, the calculator returns federal tax of $11,318, provincial tax of $4,912 and total tax of $16,230. That leaves $68,770 after tax, an effective rate of 19.1% and a marginal rate of 29.7%. The arithmetic behind the federal and Ontario figures:
| Step | Federal | Ontario |
|---|---|---|
| Tax on the first bracket | $58,523 × 14% = $8,193.22 | $53,891 × 5.05% = $2,721.50 |
| Tax on the second bracket | $26,477 × 20.5% = $5,427.79 | $31,109 × 9.15% = $2,846.47 |
| Bracket tax | $13,621.01 | $5,567.97 |
| Less basic personal amount credit | $16,452 × 14% = $2,303.28 | $12,989 × 5.05% = $655.94 |
| Tax payable | $11,318 | $4,912 |
| Province | Total tax | Take-home | Effective rate | Marginal rate |
|---|---|---|---|---|
| Ontario | $16,230 | $68,770 | 19.1% | 29.7% |
| British Columbia | $16,065 | $68,935 | 18.9% | 28.2% |
| Alberta | $16,772 | $68,228 | 19.7% | 30.5% |
- Effective is not marginal. The 19.1% average is lower than the 29.7% rate on the next dollar because the lower slices of income are taxed at lower rates.
- A deduction saves tax at the marginal rate. Entering a $10,000 RRSP deduction lowers total tax from $16,230 to $13,265, a saving of $2,965, which is 29.65% of $10,000.
Next steps: see take-home pay after CPP and EI with the paycheque calculator, test an RRSP deduction with the RRSP tax savings calculator, or go province by province with the Ontario income tax calculator.
How this is calculated
- Taxable income = gross income − RRSP contribution − other deductions you enter.
- Tax in each bracket = the slice of income in that bracket × its rate, added up for the federal and provincial schedules.
- Basic personal amount: a credit valued at the lowest bracket rate is subtracted from each schedule. Federally the 2026 amount is $16,452 up to $181,440 of income, phasing down to $14,829 at $258,482.
- Ontario also adds its surtax (20% of provincial tax above $5,818 and a further 36% above $7,446), which only applies at higher incomes.
The 2026 federal brackets are 14% to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above, as published on the CRA’s tax rates and income brackets page; provincial brackets, basic personal amounts and the Ontario surtax come from the CRA’s payroll formulas, T4127 (122nd edition, January 2026). Both were checked 1 October 2026. Three provinces legislated mid-year changes, and this calculator uses their annual 2026 law. Quebec is an estimate because Revenu Québec, not the CRA, sets Quebec’s own income tax.
The result excludes CPP and EI contributions, every credit other than the basic personal amount (tuition, medical, donation, spousal and so on) and the Ontario Health Premium, so it will not match a notice of assessment.
An estimate for education, not tax advice. Confirm your figures with the CRA or a tax professional.
TNAADO Inc. · Toronto
What this figure is, and what it deliberately leaves out
Canadian income tax is charged on brackets, not on a single rate. Each slice of taxable income is taxed at the rate for that slice, federally and then again provincially. What most people call "my tax rate" is the average (total tax over total income) and it is always lower than the marginal rate that applies to the next dollar earned. The rates, thresholds and constants here are the ones the CRA publishes for the 2026 tax year, including the basic personal amount and its high-income phase-out, Ontario’s two surtax tiers and the 16.5% Quebec abatement.
The mistake people make. Expecting this to match a T4 or a notice of assessment. It cannot: it models the basic personal amount and nothing else. Tuition, medical, donation, spousal and employment credits, and every deduction you do not enter, all move the real figure. Quebec is an estimate on purpose: Revenu Québec administers Quebec’s own income tax, so the CRA publishes no Quebec bracket table to work from.
Frequently asked questions
How much income tax do I pay on $85,000 in Ontario?
On this calculator’s basis, $16,230 for 2026: $11,318 federal and $4,912 Ontario. That is an effective rate of 19.1% and leaves $68,770, before CPP, EI and credits other than the basic personal amount.
What is the difference between my marginal rate and my effective rate?
The effective rate is total tax divided by income (19.1% here). The marginal rate is the tax on your next dollar (29.7% here). Canada taxes each slice of income at its own rate, so the marginal rate applies only to income above the last bracket threshold.
What are the 2026 federal tax brackets?
14% on the first $58,523 of taxable income, 20.5% from $58,523 to $117,045, 26% from $117,045 to $181,440, 29% from $181,440 to $258,482 and 33% above $258,482, according to the CRA’s published current-year rates.
Why will my tax return show a different number?
This tool models the basic personal amount only. It leaves out CPP and EI, the Canada employment amount, tuition, medical, donation, spousal and other credits, deductions you do not enter, and the Ontario Health Premium. Each moves the real figure.
How does an RRSP contribution change my tax?
It lowers taxable income dollar for dollar. On this example a $10,000 deduction cuts tax by $2,965, so the saving equals your marginal rate. The RRSP tax savings calculator shows it side by side.
Is the Quebec result exact?
No. The CRA publishes no Quebec provincial brackets because Revenu Québec administers Quebec’s income tax, so the Quebec figures here are an estimate and are labelled as one.
Disclaimer
Estimates using the 2026 federal and provincial/territorial tax brackets, including the basic personal amount, Ontario’s surtax and the Quebec federal abatement. Not modelled: provincial low-income tax reductions, the Ontario Health Premium, and credits beyond the basic personal amount (age amount, dependents, tuition, and the rest). Your real return will differ.