The Canada Tax Planner calculates your federal and ON provincial income tax, CPP, and EI using the 2026 payroll formulas (CRA T4127; Revenu Québec for Quebec).
The Canada Tax Planner calculates federal and provincial income tax for all 13 Canadian provinces and territories. Federal and other provincial and territorial figures come from CRA T4127 (122nd edition, January 2026). Quebec tax comes from Revenu Québec (TP-1015.F-V, 2026), QPP from Retraite Québec, and QPIP from the Québec government rate table.
Employment Type
Gross annual (T4 box 14)
This tool calculates a full year. If you arrived this year, some credits are prorated by days and your real tax may differ — see Newcomers.
65+ qualifies for age credit
Used only for the first home savings account (FHSA) tip.
Interest, dividends, rental
Reduces taxable income
Dividends, capital gains, age credit, donations, and more
Enter your income to see your complete tax breakdown
Estimates only — how we calculate
BPA: $16,452Source: CRA BPA (opens in a new tab) | CPP max: $4,646Source: CRA CPP (opens in a new tab) | EI max: $1,123Source: CRA EI (opens in a new tab) | RRSP limit: $33,810Source: CRA RRSP (opens in a new tab)
On $80,000 of employment income in Ontario in 2026, you pay approximately $9,243 in federal taxSource: CRA T4127 Payroll Deductions Formulas (opens in a new tab) and $4,885 in provincial tax, plus $4,446 in CPP contributions and $1,123 in EI premiums. Your take-home pay is approximately $60,303 (75.4% of your income).
The maximum federal Basic Personal Amount (BPA) for 2026 is $16,452Source: CRA BPA (opens in a new tab). Most Canadians can earn this much before owing any federal income tax; the amount is gradually reduced for incomes in the top two federal brackets. Each province and territory sets its own BPA.
Self-employed Canadians pay both the employee and employer portions of CPP, up to $9,293 in 2026Source: CRA CPP (opens in a new tab) including CPP2, and deduct the employer half on their return. They deduct business expenses from revenue and do not pay EI unless they opt in. Their filing deadline is June 15, but any balance owing is due April 30.
At $100,000 of employment income, Nunavut leaves the most take-home pay of any province or territory. Residents there keep approximately $3,948 more per year than Ontario residents.
Common strategies for 2026 include RRSP contributions (each dollar contributed, up to your limit, reduces taxable income), FHSA contributions for first-time home buyers (deductible, up to $8,000 a year), spousal RRSPs and pension income splitting for couples, and incorporation for self-employed earners above about $120,000.
For planning and educational purposes only. Not tax advice. Consult a CPA before making financial decisions. 2026 rates from CRA publications.