Income Tax Calculator Canada 2026: Every Province, CPP, EI and Take-Home Pay
$75,000 of income in Ontario. You keep $2,189.45 every two weeks, after $18,074 of income tax and payroll deductions.
- Federal income tax$8,258.60
- Ontario income tax$3,696.06
- Ontario Health Premium$750.00
- CPP contributions 5.95% of earnings between $3,500 and $74,600$4,230.45
- CPP2 contributions 4% of earnings from $74,600 to $85,000$16.00
- EI premiums 1.63% up to $68,900$1,123.07
- Total deducted$18,074.18
- Take-home pay$56,925.82
- Average rate
- 24.1%
- of your income goes to tax and payroll deductions (16.9% is income tax)
- Marginal rate
- 32.46%
- on your next dollar of salary, including CPP and EI where they still apply
- Marginal rate on capital gains / eligible / other dividends
- 14.82% / 6.38% / 20.27%
- on the next dollar of each, at your income
- RRSP or FHSA saving
- $296.50
- less tax for each $1,000 you put into an RRSP or FHSA, at your income.
- Refund
- $0.00
Show the math, bracket by bracket
| Tax | Slice | Amount | Rate | Tax |
|---|---|---|---|---|
| Federal | $0 to $58,523 | $58,523 | 14% | $8,193.22 |
| Federal | $58,523 to $117,045 | $15,750 | 20.5% | $3,228.75 |
| Ontario | $0 to $53,891 | $53,891 | 5.05% | $2,721.50 |
| Ontario | $53,891 to $107,785 | $20,382 | 9.15% | $1,864.95 |
Tax before credits. Taxable income is $74,273. Credits for the basic personal amount, CPP and EI then reduce it to the totals above.
| Taxable income | Rate |
|---|---|
| $0 to $53,891 | 5.05% |
| $53,891 to $107,785 | 9.15% |
| $107,785 to $150,000 | 11.16% |
| $150,000 to $220,000 | 12.16% |
| Over $220,000 | 13.16% |
| Where | Take-home | Tax and deductions | Average rate | Marginal rate | Versus the best |
|---|---|---|---|---|---|
| Nunavut | $58,819 | $16,181 | 21.6% | 30.4% | Most |
| Northwest Territories | $57,763 | $17,237 | 23.0% | 31.9% | −$1,056 |
| British Columbia | $57,711 | $17,289 | 23.1% | 31.1% | −$1,108 |
| Yukon | $57,655 | $17,345 | 23.1% | 32.3% | −$1,164 |
| Alberta | $57,362 | $17,638 | 23.5% | 33.3% | −$1,457 |
| Ontario | $56,926 | $18,074 | 24.1% | 32.5% | −$1,893 |
| Saskatchewan | $55,806 | $19,194 | 25.6% | 35.7% | −$3,013 |
| New Brunswick | $55,102 | $19,898 | 26.5% | 37.1% | −$3,717 |
| Manitoba | $55,024 | $19,976 | 26.6% | 35.9% | −$3,795 |
| Newfoundland and Labrador | $54,737 | $20,263 | 27.0% | 37.6% | −$4,082 |
| Prince Edward Island | $54,316 | $20,684 | 27.6% | 39.6% | −$4,503 |
| Quebec | $53,965 | $21,035 | 28.0% | 39.0% | −$4,854 |
| Nova Scotia | $53,423 | $21,577 | 28.8% | 39.7% | −$5,396 |
Next: see how much home this income can buy, or browse all calculators.
Turn on JavaScript to change the numbers. The figures shown are for a $75,000 salary in Ontario in 2026.
The short answer
On a $75,000 salary in Ontario in 2026 you keep $56,925.82, or $2,189.45 every two weeks. You pay $8,258.60 in federal tax, $4,446.06 in Ontario tax and the Ontario Health Premium, and $5,369.52 in CPP and EI. The same salary leaves you $5,396 more in Nunavut than in Nova Scotia, the highest and lowest take-home pay in Canada at that income.
The calculator above works out your 2026 income tax and payroll deductions for every province and territory, using the brackets, credits and contribution rates published by the Canada Revenue Agency and Revenu Québec. It covers salary, self-employment, investment income, capital gains and dividends, and shows your marginal rate on each kind of income. Nothing you type leaves your browser.
How your income tax is worked out
- Add up your income. Salary, self-employment profit, interest and other income count in full. Only half of a capital gain counts. Dividends are grossed up first: eligible dividends by 38% and other dividends by 15%.
- Take off your deductions. RRSP and FHSA contributions, child care, union dues and the enhanced part of your CPP or QPP contributions come off before tax. What is left is your taxable income.
- Apply the brackets. Each slice of taxable income is taxed at its own rate, once federally and once by your province or territory.
- Subtract your credits. The basic personal amount, the Canada employment amount and the base part of your CPP and EI contributions each reduce your tax by the lowest rate. Dividend tax credits come off next.
- Add the provincial extras. Ontario adds a surtax and the Ontario Health Premium and takes off a low-income reduction. British Columbia takes off its tax reduction. Quebec residents get a 16.5% cut in federal tax, the Quebec abatement.
- Add payroll contributions. CPP or QPP, EI and, in Quebec, QPIP are not income tax, but they come off your pay and are included in your take-home figure.
2026 federal tax brackets
| Taxable income | Rate |
|---|---|
| $0 to $58,523 | 14% |
| $58,523 to $117,045 | 20.5% |
| $117,045 to $181,440 | 26% |
| $181,440 to $258,482 | 29% |
| Over $258,482 | 33% |
The lowest rate is 14% for the whole of 2026. It was 15% before July 1, 2025, which is why your 2025 return used a blended 14.5%. The basic personal amount is $16,452, shrinking to $14,829 for taxable income between $181,440 and $258,482.
Provincial and territorial tax at a glance
| Where | Lowest rate | Top rate | Top rate starts at | Basic personal amount |
|---|---|---|---|---|
| Alberta | 8% | 15% | $370,220 | $22,769 |
| British Columbia | 5.6% | 20.5% | $265,545 | $13,216 |
| Manitoba | 10.8% | 17.4% | $100,000 | $15,780 |
| New Brunswick | 9.4% | 19.5% | $193,861 | $13,664 |
| Newfoundland and Labrador | 8.7% | 21.8% | $1,141,275 | $13,094 |
| Nova Scotia | 8.79% | 21% | $157,124 | $11,932 |
| Northwest Territories | 5.9% | 14.05% | $172,346 | $18,198 |
| Nunavut | 4% | 11.5% | $181,439 | $19,659 |
| Ontario | 5.05% | 13.16% | $220,000 | $12,989 |
| Prince Edward Island | 9.5% | 20% | $200,000 | $15,000 |
| Quebec | 14% | 25.75% | $132,245 | $18,952 |
| Saskatchewan | 10.5% | 14.5% | $155,805 | $20,381 |
| Yukon | 6.4% | 15% | $500,000 | $16,452 (same as federal) |
Ontario also charges a surtax of 20% of Ontario tax above $5,818 and a further 36% above $7,446, plus the Ontario Health Premium of up to $900. British Columbia’s lowest rate rose to 5.6% for 2026. Prince Edward Island added a 20% bracket above $200,000 for 2026. Manitoba froze its brackets and basic amount at their 2025 levels.
Take-home pay by province on common salaries
| Where | $50,000 | $75,000 | $100,000 | $150,000 |
|---|---|---|---|---|
| Alberta | $40,541 | $57,362 | $74,458 | $107,458 |
| British Columbia | $40,574 | $57,711 | $75,373 | $107,377 |
| Manitoba | $39,075 | $55,024 | $71,445 | $100,797 |
| New Brunswick | $39,354 | $55,102 | $71,215 | $101,330 |
| Newfoundland and Labrador | $39,252 | $54,737 | $70,603 | $100,702 |
| Nova Scotia | $38,260 | $53,423 | $68,867 | $98,117 |
| Northwest Territories | $40,768 | $57,763 | $75,204 | $107,361 |
| Nunavut | $41,363 | $58,819 | $76,654 | $110,408 |
| Ontario | $40,145 | $56,926 | $74,206 | $104,320 |
| Prince Edward Island | $38,829 | $54,316 | $69,789 | $98,973 |
| Quebec | $38,824 | $53,965 | $69,585 | $97,850 |
| Saskatchewan | $39,699 | $55,806 | $72,288 | $104,037 |
| Yukon | $40,611 | $57,655 | $74,998 | $107,893 |
These assume employment income only and the basic credits every employee gets. Quebec looks lower partly because QPP costs 6.3% instead of 5.95% and Quebec residents also pay QPIP premiums, which fund parental benefits that EI covers elsewhere.
Marginal rate and average rate
On a $75,000 salary in Ontario your marginal rate is 32.46%. That is the 20.5% federal rate and the 9.15% Ontario rate, plus the 4% CPP2 contribution that applies to earnings between $74,600 and $85,000, less the tax you save because CPP2 is deductible. EI no longer applies on the next dollar because you are past its $68,900 limit, and the Ontario Health Premium has already reached $750. Your average rate is 24.1%.
Use the marginal rate to judge a raise, overtime or an RRSP contribution. Use the average rate to compare your overall tax load with someone else’s. The calculator shows both, plus your marginal rate on capital gains and on each kind of dividend.
CPP, EI, QPP and QPIP in 2026
| Contribution | Rate | Earnings covered | Maximum |
|---|---|---|---|
| CPP | 5.95% | $3,500 to $74,600 | $4,230.45 |
| CPP2 | 4% | $74,600 to $85,000 | $416 |
| QPP (Quebec) | 6.3% | $3,500 to $74,600 | $4,479.30 |
| QPP2 (Quebec) | 4% | $74,600 to $85,000 | $416 |
| EI | 1.63% | Up to $68,900 | $1,123.07 |
| EI (Quebec) | 1.30% | Up to $68,900 | $895.70 |
| QPIP (Quebec) | 0.43% | Up to $103,000 | $442.90 |
Self-employed people pay both the employee and employer share of CPP or QPP, so 11.9% (12.6% in Quebec) on the same earnings, and half of it is deducted from income. They do not pay EI unless they opt in.
How an RRSP or FHSA lowers your tax
A deduction comes off your income at your marginal rate. On a $75,000 Ontario salary a $5,000 RRSP contribution cuts your 2026 tax by $1,632.50, which usually comes back as a refund in spring 2027. The FHSA works the same way for first-time buyers, up to $8,000 a year, and withdrawals for a first home are tax-free. Open “Deductions and tax already paid” above to test your own amount.
Capital gains and dividends
Half of a capital gain is added to your income for 2026; the plan to tax two-thirds of large gains was cancelled in March 2025. Canadian dividends are grossed up and then a dividend tax credit is subtracted, so eligible dividends are taxed far less than interest at most incomes. At low incomes in several provinces the credit can push the rate on eligible dividends below zero, which reduces tax on your other income.
What the calculator leaves out
- Credits that depend on your situation: age, pension income, disability, tuition, medical, donations, spouse and dependants.
- Low-income reductions and benefits: Ontario’s LIFT credit and the low-income reductions in Manitoba, New Brunswick, Nova Scotia, Newfoundland and Labrador and Quebec, the Canada Workers Benefit and the GST/HST credit. Below about $40,000 of income your actual tax may be lower.
- Special taxes: alternative minimum tax, the OAS recovery tax and Quebec’s Health Services Fund contribution on non-employment income.
- Employer deductions: workplace pension plans and benefit premiums.
Frequently asked questions
How much tax do I pay on $75,000 in Ontario in 2026?
On a $75,000 salary you pay $8,258.60 in federal tax, $4,446.06 in Ontario tax including the $750 Ontario Health Premium, $4,246.45 in CPP and $1,123.07 in EI. That is $18,074.18 in total, leaving $56,925.82, or $2,189.45 every two weeks.
What is the difference between marginal and average tax rate?
Your marginal rate is the tax on your next dollar of income, so it tells you what a raise, a bonus or an RRSP deduction is worth. Your average rate is your total tax divided by your total income. Because each bracket only taxes the slice of income inside it, your average rate is always lower than your marginal rate.
Will a raise push me into a higher bracket and lower my take-home pay?
No. Only the part of your income above a bracket threshold is taxed at the higher rate. A raise always leaves you with more money after tax, even when it crosses a bracket line.
What is the federal tax rate for 2026?
The lowest federal rate is 14% on taxable income up to $58,523 for 2026, down from 15% before July 2025. The other federal rates are 20.5%, 26%, 29% and 33%, with the top rate starting at $258,482. The federal basic personal amount is $16,452.
How much does an RRSP contribution save in tax?
It saves your marginal rate on the amount you deduct, as long as the deduction stays inside your current bracket. On a $75,000 salary in Ontario, a $5,000 RRSP deduction cuts your 2026 tax by $1,632.50. Enter your contribution in the calculator to see your own figure.
Why is my take-home pay different from my pay stub?
Payroll deductions are estimates spread over the year, and your employer may also take off benefits, pension plan contributions or union dues that are not taxes. Bonuses are often taxed at a flat withholding rate. The calculator shows what you owe for the full year, which is what your tax return settles.
- Current year tax rates and income brackets (2026), Canada Revenue Agency, modified June 25, 2026. Checked November 2, 2026.
- T4127 Payroll Deductions Formulas, 122nd edition (January 1, 2026) and 123rd edition (July 1, 2026, modified June 3, 2026), CRA: basic personal amounts, CPP, CPP2 and EI constants, Ontario surtax, health premium and tax reduction, BC tax reduction, Alberta supplemental credit. Checked November 2, 2026.
- EI premium rates and maximums, CRA. Checked November 2, 2026.
- Principal changes for 2026, Revenu Québec (brackets, basic personal amount, deduction for workers, QPP and QPIP), and Parameters of the personal income tax system for 2026, Finances Québec, November 2025. Checked November 2, 2026.
- Manitoba tax for 2026, CRA, and Manitoba Budget 2026 (March 24, 2026), which kept brackets at $47,000 and $100,000 and the basic amount at $15,780. CRA’s rate page lists indexed thresholds of $47,564 and $101,200; we use the frozen figures that CRA’s July 2026 payroll formulas apply. Checked November 2, 2026.
- Federal dividend tax credit, CRA; provincial dividend tax credit rates as compiled by TaxTips.ca (revised October 25, 2026), checked against provincial budgets. Checked November 2, 2026.
- Method: the calculator was built twice, once in the browser code and once in a separate Python program. Both agree to the cent on 1,916 test cases across all 13 jurisdictions and every income type, including each bracket edge. Our top combined marginal rates for 2026 match KPMG’s published table (current as of September 30, 2026) within 0.01 percentage points for ordinary income, capital gains and both kinds of dividends in every province and territory. Nothing you enter is sent or stored.
General information, not tax, financial or legal advice. The calculator estimates a full-year 2026 return for a resident of Canada using the basic credits; your actual tax depends on credits and situations it does not cover. Gizly is not affiliated with any government and has no affiliate relationships. See how we check the numbers and our disclosure.