Canada income tax calculator 2026
Choose your province and enter your salary to see your take-home pay after federal and provincial income tax, CPP and EI for 2026. A $60,000 salary in Ontario leaves you $47,340 a year, which is $3,944.98 a month or $1,820.76 every two weeks.
How take-home pay is worked out in Canada
Four deductions come off a Canadian paycheque. Federal income tax is the same everywhere, with rates from 14% to 33%. Provincial or territorial income tax depends on where you lived on 31 December and has its own brackets and credits. CPP (the Canada Pension Plan; QPP in Quebec) is 5.95% of earnings between $3,500 and $74,600, plus CPP2 of 4% up to $85,000. EI (Employment Insurance) is 1.63% of earnings up to $68,900.
For a $60,000 salary in Ontario that is $5,338 of federal tax, $2,982 of Ontario tax (including the health premium), $3,362 of CPP and $978 of EI. You keep $47,340, or 78.9% of the gross salary.
Take-home pay by province
| Province or territory | $50,000 | $75,000 | $100,000 | $150,000 |
|---|---|---|---|---|
| Nunavut | $41,363 | $58,819 | $76,654 | $110,408 |
| Northwest Territories | $40,768 | $57,763 | $75,204 | $107,361 |
| British Columbia | $40,574 | $57,711 | $75,373 | $107,377 |
| Yukon | $40,611 | $57,655 | $74,998 | $107,893 |
| Alberta | $40,541 | $57,362 | $74,459 | $107,458 |
| Ontario | $40,168 | $56,926 | $74,206 | $104,320 |
| Saskatchewan | $39,699 | $55,806 | $72,288 | $104,037 |
| New Brunswick | $39,354 | $55,102 | $71,215 | $101,330 |
| Manitoba | $39,075 | $55,024 | $71,445 | $100,797 |
| Newfoundland and Labrador | $39,252 | $54,737 | $70,603 | $100,702 |
| Prince Edward Island | $38,829 | $54,316 | $69,789 | $98,973 |
| Quebec | $38,824 | $53,965 | $69,585 | $97,850 |
| Nova Scotia | $38,260 | $53,423 | $68,867 | $98,117 |
At $75,000 the gap between the most and least generous places is $5,396 a year: Nunavut leaves $58,819 and Nova Scotia $53,423. The territories have large basic personal amounts and low rates; Quebec and the Atlantic provinces tax middle incomes more heavily. Open your province for its brackets, credits and a worked example.
Federal tax brackets 2026
| Taxable income | Federal rate |
|---|---|
| up 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 federal rate is 14% for the whole of 2026, down from a blended 14.5% in 2025. Brackets and credits rose 2% with inflation. Everyone gets a 14% credit on the basic personal amount, the $1,501 Canada employment amount, base CPP contributions and EI premiums, so the first $17,953 or so of a salary carries no federal tax.
CPP and EI 2026
| Rate (employee) | Earnings covered | Maximum 2026 | |
|---|---|---|---|
| CPP (base + enhanced) | 5.95% | $3,500 to $74,600 | $4,230.45 |
| CPP2 | 4% | $74,600 to $85,000 | $416.00 |
| QPP (Quebec) | 6.3% | $3,500 to $74,600 | $4,479.30 |
| QPP2 (Quebec) | 4% | $74,600 to $85,000 | $416.00 |
| EI | 1.63% | up to $68,900 | $1,123.07 |
| EI (Quebec) | 1.3% | up to $68,900 | $895.70 |
| QPIP (Quebec) | 0.43% | up to $103,000 | $442.90 |
Only the base part of CPP (4.95%) earns a tax credit. The enhanced part (1%) and CPP2 are deducted from your income instead, which is why taxable income is a little below your salary. See the CPP and EI calculator for the per-paycheque detail.
Worked example: $75,000 in Ontario
- CPP: 5.95% of earnings between $3,500 and $74,600 is $4,230.45, plus $16 of CPP2. EI: 1.63% of insurable earnings is $1,123.07.
- Taxable income: the enhanced CPP ($711) and CPP2 ($16) are deducted, leaving $74,273.
- Federal tax: the brackets give $11,421.97. Credits of $22,595.52 (basic personal amount $16,452, Canada employment amount $1,501, base CPP $3,519.45, EI $1,123.07) × 14% = $3,163.37, so basic federal tax is $8,258.60.
- Ontario tax: the brackets give $4,586.45. Credits of $17,631.52 (basic personal amount $12,989, base CPP and EI) × 5.05% = $890.39, leaving $3,696.06. There is no surtax at this income and the health premium adds $750. Ontario tax is $4,446.06.
- Take-home: $75,000 − $8,258.60 − $4,446.06 − $4,246.45 − $1,123.07 = $56,925.82, or $4,743.82 a month and $2,189.45 every two weeks.
Take-home pay at common salaries (Ontario)
| Salary | Take-home a year | A month | Bi-weekly | Kept |
|---|---|---|---|---|
| $30,000 | $26,237 | $2,186 | $1,009 | 87.5% |
| $40,000 | $33,332 | $2,778 | $1,282 | 83.3% |
| $50,000 | $40,168 | $3,347 | $1,545 | 80.3% |
| $60,000 | $47,340 | $3,945 | $1,821 | 78.9% |
| $70,000 | $53,786 | $4,482 | $2,069 | 76.8% |
| $80,000 | $60,303 | $5,025 | $2,319 | 75.4% |
| $90,000 | $67,197 | $5,600 | $2,584 | 74.7% |
| $100,000 | $74,206 | $6,184 | $2,854 | 74.2% |
| $125,000 | $90,172 | $7,514 | $3,468 | 72.1% |
| $150,000 | $104,320 | $8,693 | $4,012 | 69.5% |
| $200,000 | $131,278 | $10,940 | $5,049 | 65.6% |
See every salary from $30,000 to $250,000 in all 13 provinces and territories in the salary after tax table.
What changed for 2026
- Federal: the lowest rate is 14% for the full year (it was cut part-way through 2025).
- British Columbia: lowest rate up from 5.06% to 5.6% and the BC tax reduction up from $575 to $690, both back to 1 January.
- Newfoundland and Labrador: basic personal amount raised to $13,094 for the year (payroll uses $15,000 from July).
- Prince Edward Island: a new 20% bracket on taxable income over $200,000.
- Nova Scotia: a flat $11,932 basic personal amount; the income-tested extra amount is gone.
Because the BC, Newfoundland and Labrador and PEI changes came mid-year, payroll in those provinces deducted tax at one rate until June and a catch-up rate from July. This calculator shows the annual figures you will see on your tax return, which can differ from the sum of your pay stubs by a few dollars.
Already announced for 2027
The CPP base rate falls from 2027: the employee share drops from 5.95% to 5.75% (the base part from 4.95% to 4.75%). EI will be 1.64% on earnings up to $70,800, a maximum of $1,161.12. The 2027 tax brackets and CPP earnings limits had not been published when we checked.
FAQ
How much tax do I pay on $60,000 in Canada?
In Ontario, $5,338 of federal tax and $2,982 of provincial tax, plus $3,362 of CPP and $978 of EI, leaving $47,340. Across the provinces and territories take-home on $60,000 ranges from $44,726 to $48,773.
Which province has the lowest income tax?
It depends on income. At $75,000 take-home is highest in Nunavut ($58,819) and lowest in Nova Scotia ($53,423). Among the provinces, British Columbia leaves the most at that salary.
Why is my pay stub different from this calculator?
Payroll works out tax on each cheque as if that pay continued all year, stops CPP and EI once you reach the annual maximums, and in BC, Newfoundland and Labrador and PEI used different rates before and after July 2026. Bonuses, taxable benefits, union dues and a TD1 with extra credits also change a cheque. Over a full year at a steady salary the totals come close to this annual figure.
What is the basic personal amount for 2026?
Federally $16,452, reduced gradually to $14,829 for net income between $181,440 and $258,482. Each province and territory has its own amount, from $11,932 in Nova Scotia to $22,769 in Alberta.