Income Tax Calculator CA
Estimate income tax and effective rate from taxable income (simplified).
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How it works
This applies a single effective tax rate to your taxable income for a quick estimate. Real tax uses progressive bands and reliefs, so adjust the rate or treat the result as a rough guide only.
Tax = Income × effective rateFrequently asked questions
How is income tax calculated in Canada?
Federal tax is applied in bands from 14% up to 33% for 2026, with the basic personal amount making the first slice tax-free. Your province then adds its own tax on top.
What is the basic personal amount?
It is the income you can earn before federal tax applies — about $16,452 for 2026. It works as a credit at the lowest rate.
Do I pay provincial tax as well as federal?
Yes. Every province and territory charges its own income tax in addition to federal tax, so your combined rate is higher than the federal rate alone.
What is the difference between marginal and effective rate?
Your marginal rate is the rate on your top band of income; your effective rate is total tax divided by total income, which is always lower.
Is this my exact take-home pay?
No — it is a simplified federal estimate. It excludes provincial tax, CPP and EI, so check CRA figures for an exact amount.
Will a raise push all my income into a higher bracket?
No. Only the income above each threshold is taxed at the higher rate, so a raise always leaves you better off overall.
Income Tax Calculator
Income tax is charged in slices: each band of income is taxed at its own rate, so only the part that falls inside a higher band is taxed at that higher rate. This calculator gives a simplified estimate of the tax on your earnings and the take-home pay left over.
Marginal vs effective rate
Your marginal rate is the rate on your next unit of income (your top band). Your effective rate is total tax divided by total income, and is always lower because the early bands are taxed less. A pay rise can never leave you worse off — only the income above a threshold is taxed at the higher rate.
Canada federal tax (2026)
For 2026 the federal rates run 14% on roughly the first $58,500, then 20.5%, 26%, 29% and 33% on the highest incomes. The basic personal amount (about $16,452 for 2026) makes the first slice effectively tax-free. Each province adds its own income tax on top, so your total rate is higher than the federal figure — this tool estimates the federal portion in CAD.
This is a simplified estimate. Levies, credits, deductions and local taxes can change the final figure — check your official tax authority for exact, current-year amounts.
Results are estimates for general guidance in Canada and may not reflect the latest local rates, fees or rules. Check official sources before making decisions.