About Canada Tax Planner

Canada Tax Planner is a free, web-based Canadian income tax calculator that computes federal and provincial income tax, CPP/QPP contributions, EI premiums, and government benefits across all 13 Canadian provinces and territories. It uses the CRA T4127 Payroll Deductions Formulas (122nd Edition, 2026) for federal tax and the other provinces and territories, and Revenu Québec formulas for Quebec, to estimate take-home pay, marginal rates, and optimization opportunities.

Accuracy

Built on published formulas: CRA T4127 (122nd Edition, January 2026) for federal tax and the other provinces and territories; Revenu Québec (TP-1015.F-V, 2026) for Quebec. The tax engine implements them
Checked automatically: reference cases worked by hand from the published formulas
Compared with TaxTips.ca figures for employees at six income levels in every province and territory except Quebec

How we check the numbers

Coverage

All 13 provinces and territories: ON, BC, AB, QC, MB, SK, NS, NB, NL, PE, YT, NT, NU
Calculators: Income tax, RRSP, TFSA, FHSA, RESP, CCB, Canada Groceries and Essentials Benefit, Ontario Trillium, provincial benefits, self-employed tax, sole prop vs corp comparison
Special handling: CPP2 second ceiling, Quebec QPP/QPIP, Ontario surtax, Ontario Health Premium, Northern Residents Deduction

Data Source

Federal and other provincial and territorial rates, brackets, and thresholds come from the CRA T4127 Payroll Deductions Formulas, 122nd Edition (January 2026), published under the Open Government Licence — Canada. Quebec tax comes from Revenu Québec (TP-1015.F-V, 2026 source-deduction formulas), QPP from Retraite Québec, and QPIP from the Québec government rate table. Rates are reviewed when the publishers issue updated tables.

Who maintains this site

Viacheslav SytnikovFounder and editor

Viacheslav Sytnikov builds and maintains the calculator and edits the articles. Viacheslav Sytnikov is not a CPA or a tax professional. This site gives general information and planning estimates. It is not tax advice.

Team

Built independently, not by a tax firm, on the belief that accurate tax information should be free and accessible to every Canadian. The engine implements the formulas CRA publishes; the interface is designed for people, not accountants.

Contact

Use the contact form.

Try the Calculator

For planning purposes only. Not tax advice. Consult a CPA before making financial decisions.