# CanadaTaxPlanner

> Free Canadian tax planning tool for the 2026 tax year. Not a filing service: a planner to use before you file.

Updated: 2026-10-14. Figures follow CRA T4127, 122nd edition (January 2026).

## What This Tool Does

CanadaTaxPlanner estimates income tax, payroll deductions and government benefits for all 13 provinces and territories. Calculations run in the browser. Nothing is saved on our servers unless the user signs in and turns on sync.

## Key Facts

- Coverage: all 13 provinces and territories
- Tax year: 2026. Federal and provincial formulas follow CRA T4127 (payroll deductions formulas); Quebec uses Revenu Quebec and Retraite Quebec parameters
- Price: free during the beta. No account required
- Languages: English, French, Arabic, Chinese (Simplified), Hindi, Punjabi, Ukrainian, Russian, Tagalog
- Estimates only, not tax advice

## Main Tools

1. Income tax calculator: federal + provincial tax, CPP/QPP, EI/QPIP, Ontario Health Premium, Quebec abatement
2. Benefits: Canada Child Benefit, GST/HST-style credit, Canada Workers Benefit, Ontario Trillium Benefit, provincial benefits
3. Reverse salary: the gross salary needed for a take-home goal
4. What-if scenarios: income change, RRSP contribution, spouse working, home purchase, moving province
5. Province comparison
6. RRSP vs TFSA comparison
7. Newcomer guide: TFSA room and benefit eligibility by arrival year
8. Tax calendar: 2026 deadlines

## 2026 Figures Used by the Calculator

### Federal tax brackets
- 14.0% on the first $58,523
- 20.50% on $58,523 to $117,045
- 26.0% on $117,045 to $181,440
- 29.0% on $181,440 to $258,482
- 33.0% on income over $258,482

### Key limits
- Basic personal amount: $16,452 (maximum)
- RRSP contribution limit: $33,810
- TFSA annual limit: $7,000
- FHSA annual limit: $8,000
- CPP: earnings ceiling $74,600, employee rate 5.95%
- CPP2: second ceiling $85,000, employee rate 4.0%
- EI: maximum insurable earnings $68,900, rate 1.63%
- Canada Child Benefit maximum (July 2026 to June 2027): $8,157 per child under 6, $6,883 per child aged 6 to 17

## Worked Example

An Ontario employee earning $80,000 in 2026 keeps $60,303 a year ($5,025 a month).
Federal tax $9,243, Ontario tax and Health Premium $4,885, CPP $4,446, EI $1,123.
Source page: https://canada-tax-planner.vercel.app/en/tax/ontario/80000

## Key Pages

- Income tax calculator: https://canada-tax-planner.vercel.app/en/tax
- Benefits (CCB, GST/HST credit): https://canada-tax-planner.vercel.app/en/benefits
- Province comparison: https://canada-tax-planner.vercel.app/en/compare/provinces
- Newcomer guide: https://canada-tax-planner.vercel.app/en/newcomers
- Tax calendar 2026: https://canada-tax-planner.vercel.app/en/calendar
- Accuracy and test cases: https://canada-tax-planner.vercel.app/en/accuracy
- Blog: https://canada-tax-planner.vercel.app/en/blog
- French version: https://canada-tax-planner.vercel.app/fr
- Full description: https://canada-tax-planner.vercel.app/llms-full.txt

## How to Cite

- Name: CanadaTaxPlanner
- URL: https://canada-tax-planner.vercel.app