Gross to net salary calculator. No sign-up, no ads.
🇨🇦 Canada Federal Income Tax Calculator 2026
Canada taxes income at both the federal and provincial level, and this calculator covers federal tax only. For 2026, the federal basic personal amount is $16,452, the income you can earn before paying any federal tax. Above that, rates run from 14% on the first $58,523 of taxable income up to 33% above $258,482. On top of income tax, employees pay CPP (5.95% between $3,500 and $74,600, plus an extra 4% CPP2 layer between $74,600 and $85,000) and EI (1.63% up to $68,900). Provincial tax then adds another 5 to 21 percentage points on top, depending on where you live: Alberta charges a flat 8%, Ontario runs 5.05% to 13.16%, and Quebec uses an entirely separate system with QPP instead of CPP.
Canada Income Tax Brackets
Brackets apply to taxable income after the CA$16,452 tax-free allowance.
| Income band | Rate |
|---|---|
| CA$0 – CA$58,523 | 14.00% |
| CA$58,523 – CA$117,045 | 20.50% |
| CA$117,045 – CA$181,440 | 26.00% |
| CA$181,440 – CA$258,482 | 29.00% |
| CA$258,482 and above | 33.00% |
Take-home pay examples
| Gross / year | Net / year | Net / month |
|---|---|---|
| CA$50,000 | CA$41,721 | CA$3,477 |
| CA$70,000 | CA$57,423 | CA$4,785 |
| CA$90,000 | CA$72,958 | CA$6,080 |
| CA$120,000 | CA$96,808 | CA$8,067 |
Employee figures only, standard deductions applied. Pension contributions, benefits in kind, and other personal factors are not included.
Frequently Asked Questions
Does this include provincial tax?
No, federal tax only. Every province and territory adds its own income tax on top, and rates vary a lot: Alberta is a flat 8%, Ontario ranges from 5.05% to 13.16%, and Quebec runs a separate system entirely. Add roughly 5 to 21 percentage points to the federal figures shown here, depending on your province and income.
What are CPP and EI?
CPP (Canada Pension Plan) is 5.95% of earnings between $3,500 and $74,600, funding your future state pension, plus a second layer called CPP2 (4%) on earnings between $74,600 and $85,000. EI (Employment Insurance) is 1.63% up to $68,900, funding unemployment benefits. Both are mandatory and come off every paycheque.
What is the basic personal amount?
It's $16,452 for 2026, the slice of income that isn't taxed federally at all. It phases down to $14,829 for people earning above $181,440, fully eliminated at $258,482; this calculator uses the full amount, which slightly understates tax for very high earners.