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Track Income & Expenses for Tax Season — 100% Free!

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Free Canadian Income Tax Calculator 2025 & 2026 - Calculate Your Take-Home Pay

Calculate your 2025 or 2026 income taxes in seconds with our accurate progressive tax bracket calculator. Get detailed take-home pay, CPP, EI, and provincial deductions instantly.

Updated for 2026 Tax Year with progressive brackets & Basic Personal Amount

Your Income Details

Select the tax year you want to calculate. Rates are automatically updated.

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Deductible business expenses for self-employed income

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Your Tax Summary

Total Income

$0

Total Tax

$0

Federal Tax $0
Provincial Tax $0
CPP & EI $0

After-Tax Income

$0

$0 / month

Average Tax Rate

0%

Marginal Tax Rate

0%

Monthly Budget

Health: Good
$0 /mo

Safe to spend (Essentials + Wants)

Projected Savings

+$0

Yearly Wealth

See Projection

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Estimates only. Consult a professional. Terms.

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Expense Tracker

Track income & expenses for tax season. Free with cloud sync.

Your Tax Return in 3 Simple Steps

1. Select Status

Choose Employed (T4) or Self-Employed to load the right deductions.

2. Enter Income

Input your gross annual earnings. We'll handle the federal & provincial math.

3. See Results

Instantly view your take-home pay, tax bracket, and CPP/EI contributions.

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Your data never leaves your browser. No servers, no tracking.

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Real-time calculations as you type. No loading screens.

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We update our algorithms immediately when the CRA announces changes.

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All calculations use the latest official CRA tax brackets and rates.

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Frequently Asked Questions

How accurate is this income tax calculator?

This calculator provides a close estimate of your real after-tax income using the most recent 2025 and 2026 federal and provincial progressive tax brackets (5 brackets), CPP, CPP2, and EI. It’s ideal for pay or budget planning but does not include individual tax credits, RRSP deductions, or unique personal credits (like dependents or tuition amounts). For complete accuracy, compare results to your official pay stub or consult the Canada Revenue Agency (CRA).

How does this calculator handle CPP, EI, and other deductions?

All mandatory payroll premiums are built in — including Canada Pension Plan (CPP) and Employment Insurance (EI) contributions. The calculator automatically applies the current yearly maximums and rates for 2025 and 2026, giving you a realistic snapshot of what’s withheld from your paycheque. These contributions fund retirement, disability, and unemployment benefits, and are updated annually to reflect new CRA thresholds.

Why do my results differ from my actual pay?

Minor differences happen because real pay depends on province-specific credits, RRSPs, union dues, or benefits your employer deducts at source. The tool uses average provincial rates and non-refundable tax credits to simplify your estimate — the same method leading calculators like Wealthsimple or UFile use. That means your displayed net income and take-home pay are realistic, just not exact.

Can I use this calculator to plan my salary or job change?

Yes! This tool is perfect for comparing job offers or salary changes across any Canadian province or territory. By instantly adjusting income, location, and deductions, you can see how much you’ll actually take home after taxes, CPP, and EI. It helps you make better financial decisions when negotiating a new role, budgeting for relocation, or estimating the effect of a raise.

Does this tool calculate tax refunds or amounts owed?

It provides a realistic estimate of your refund or taxes payable based on your total annual income, federal and provincial tax brackets, and mandatory contributions. While it’s not a substitute for official filing software, the results closely mirror CRA calculations using Basic Personal Amount credits and 2025 or 2026 tax rates. We now include the Basic Personal Amount credit for more accurate calculations. This makes it ideal for early tax refund planning or checking if your withholding aligns with your true tax liability.

Tax Insight
2026 Forecast

Estimated Take-Home Pay

$0 per year

Gross Income

$0

Total Tax

$0

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