Take Home Calculator

How this works: Uses published 2026 federal and provincial/territorial tax brackets, estimated basic personal credits, CPP/CPP2 and EI (QPP/QPP2, EI and QPIP for Quebec). Ontario surtax and health premium are included. Federal basic personal amount phaseout, Canada employment credit, and enhanced CPP deductions are approximated. Some income-tested provincial credits, credit phaseouts, specialized surtaxes, Quebec-specific credits, and other personal deductions may not be fully represented. This is an educational estimate, not a payroll or tax-filing calculator. Assumes ordinary T4 employment income, a single employer, under age 65, no RRSP/pension deductions, no dependants, and residency in the selected province on Dec 31, 2026. At lower incomes, accuracy may vary more. Tax changes after the cited tables are not automatically reflected.

Sources: CRA 2026 income tax brackets · CRA payroll formulas · 2026 credit and payroll reference tables. No data is transmitted; calculations run entirely in this file.