Canada
Canada salary calculator 2026
Choose your province or territory and enter your pay to estimate what you keep in 2026 after federal and provincial income tax, CPP or QPP contributions and EI premiums.
VerifiedTax year 2026· Rules last checked · Amounts in CAD
Federal tax and contributions in 2026
Federal income tax starts at 14% and rises to 33%. The basic personal amount of $16,452 is tax-free through a 14% credit, and employees also receive the Canada employment amount of $1,501.
Canada Pension Plan contributions are 5.95% of earnings between $3,500 and $74,600, plus 4% on earnings between $74,600 and $85,000. Employment Insurance premiums are 1.63% of earnings up to $68,900.
| Taxable income | Rate |
|---|---|
| $0 – $58,523 | 14% |
| $58,523 – $117,045 | 20.5% |
| $117,045 – $181,440 | 26% |
| $181,440 – $258,482 | 29% |
| Over $258,482 | 33% |
Provinces and territories
Every province and territory sets its own tax brackets and basic personal amount, and some add surtaxes, health premiums or tax reductions. Quebec also runs its own pension plan (QPP) and parental insurance plan (QPIP), and collects its income tax separately.
Common questions
- Why does my pay stub show different deductions?
- Employers deduct tax pay period by pay period using your TD1 forms, and CPP and EI stop once you reach the yearly maximum. This calculator estimates the total for the year and spreads it evenly.
- Do RRSP contributions reduce CPP and EI?
- No. RRSP contributions lower your taxable income, so they reduce federal and provincial income tax, but CPP or QPP contributions and EI premiums are still based on your full pay.
- Which credits are included?
- The basic personal amount, the credits for CPP or QPP contributions and EI premiums, and the Canada employment amount. Credits that depend on your family or circumstances are not included.
Read how we calculate and verify results in our methodology, or see every official source on the tax sources page.