Canada Income Tax Calculator
Enter your income and province to see your 2026 federal and provincial income tax, your effective rate, and your marginal rate — calculated with the current CRA brackets.
How to use this calculator
- Enter your annual income.
- Enter province or territory.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
Canada uses progressive brackets at both the federal and provincial level. For 2026 the federal rates are 14% on the first $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, and 33% above — the lowest rate was cut from 15% to 14% for 2026. Every Canadian also gets the basic personal amount (BPA): $16,452 for 2026, claimed as a non-refundable credit so the first dollars of income are tax-free. The calculator subtracts the federal BPA credit plus your province's own BPA credit from the bracket tax. Worked example: $90,000 of income in Ontario produces about $17,712 of combined federal + provincial tax — a 19.7% effective rate, with the next dollar taxed at roughly 29.7% (20.5% federal + 9.15% Ontario). The calculator excludes CPP and EI (see the take-home pay calculator), the Ontario surtax and health premium, and Quebec's separate system under Revenu Québec.
Frequently asked questions
What are the 2026 federal tax brackets in Canada?
For 2026: 14% up to $58,523, 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. The lowest rate was reduced from 15% to 14% effective January 1, 2026.
What is the basic personal amount for 2026?
The federal basic personal amount is $16,452 for 2026 — $14,829 base plus a $1,623 additional amount. It is reduced for net income above $181,440 and is fully phased out at $258,482. Provinces have their own BPA; Ontario's is $12,989.
Which province pays the least tax in Canada?
For income tax, British Columbia is cheapest for most middle incomes: 5.6% on the first $50,363 and a top rate that only reaches 20.5% above $265,545. At $100,000 of income, combined 2026 tax is roughly $20,295 in BC, $20,771 in Ontario (including surtax) and $21,347 in Alberta. Alberta's advantage is having no provincial sales tax — not lower income tax.
Why is Quebec not in the province list?
Quebec collects its own provincial income tax through Revenu Québec with separate brackets, its own basic personal amount, and different payroll deductions (QPP instead of CPP). Its federal tax is the same, but the provincial numbers here use the CRA system that applies to the other provinces and territories.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect the current tax year and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: canada.ca tax rates · CPP rates · CMHC mortgage insurance.