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Income tax · 2026 rates

Canada income tax calculator

On a $75,000 salary in Ontario you take home about $56,926 a year in 2026 after income tax, CPP and EI. Enter your income and province to see your take-home pay, tax brackets and marginal rate.

Rates checked · Sources

Pay estimate · Ontario · 2026

Take-home pay per two weeks

$2,189.45

$56,926 a year · $27.37 an hour

Take-home 76%Income tax 17%CPP 6%EI 1%
Gross pay
$2,884.62
Federal tax
−$317.64
Provincial tax
−$142.16
Ontario Health Premium
−$28.85
CPP
−$163.32
EI
−$43.20
Take-home
$2,189.45
All taxes
24.1%
Average tax
16.9%
Marginal tax
28.5%

2026 rates · Estimate, not tax advice

Your salary insights

  • Your next $100Of your next $100 of pay you keep $67.54: 28.5% goes to income tax and 4% to CPP/EI.
  • Tax workdaysYou work 63 days (12.5 weeks) a year to pay income tax and CPP/EI.
  • Bigger paycheques later in the yearEI stops after December. After that, each paycheque is bigger for the rest of the year.
  • RRSPPutting $7,500 in an RRSP would cut your tax by about $2,374. RRSP calculator
  • Across CanadaThe same pay takes home $1,893 more a year in Nunavut, the most of any province or territory.

Salary comparison

Your calculations are saved here automatically, so you can compare offers, raises and provinces side by side. They stay in this browser only.

Show the full calculation

Federal tax

BracketRateTax
$0 – $58,52314%$8,193.22
$58,523 – $117,04520.5%$3,228.75
Tax on taxable income
$11,421.97
Non-refundable credits
−$3,163.37
Federal tax
$8,258.60

Ontario tax

BracketRateTax
$0 – $53,8915.05%$2,721.50
$53,891 – $107,7859.15%$1,864.95
Tax on taxable income
$4,586.45
Non-refundable credits
−$890.39
Ontario Health Premium
+$750.00
Ontario tax
$4,446.06

Deductions from income

CPP (deductible part)
$727.00
Total deductions
$727.00
Taxable income
$74,273.00

Federal tax brackets 2026

Federal tax applies in every province. The lowest rate fell to 14% for 2026. The basic personal amount is $16,452, gradually reduced to $14,829 for net income between $181,440 and $258,482.

Taxable incomeRate
$0 – $58,52314%
$58,523 – $117,04520.5%
$117,045 – $181,44026%
$181,440 – $258,48229%
Over $258,48233%

Provincial and territorial tax rates 2026

Each province sets its own brackets. Open a province for its full bracket table.

Province or territory Lowest rate Top rate Brackets
Alberta 8% 15% 6
British Columbia 5.6% 20.5% 7
Manitoba 10.8% 17.4% 3
New Brunswick 9.4% 19.5% 4
Newfoundland and Labrador 8.7% 21.8% 8
Northwest Territories 5.9% 14.05% 4
Nova Scotia 8.79% 21% 5
Nunavut 4% 11.5% 4
Ontario 5.05% 13.16% 5
Prince Edward Island 9.5% 20% 6
Quebec 14% 25.75% 4
Saskatchewan 10.5% 14.5% 3
Yukon 6.4% 15% 5

Take-home pay examples (Ontario)

Employment income only, 2026 rates, no RRSP or other deductions.

Salary Income tax CPP, EI Take-home Marginal
$40,000 $4,363 $2,824 $32,814 17.6%
$60,000 $8,320 $4,340 $47,340 28.1%
$80,000 $14,128 $5,570 $60,303 28.5%
$100,000 $20,024 $5,770 $74,206 31.5%
$150,000 $39,911 $5,770 $104,320 43.4%
$250,000 $87,685 $5,770 $156,546 49.8%

CPP and EI in 2026

CPP employee rate5.95% of earnings between $3,500 and $74,600
Maximum CPP contribution$4,230.45
CPP2 (second additional)4% of earnings between $74,600 and $85,000 — max $416.00
EI employee rate1.63% up to $68,900 — max $1,123.07
RRSP dollar limit$33,810 (or 18% of last year’s earned income, if less)

How this estimate is calculated

  1. Payroll contributions. CPP and EI are taken from your employment income at the 2026 rates above.
  2. Taxable income. Your income minus deductions: the enhanced part of CPP contributions, RRSP contributions and any other deductions you enter.
  3. Tax by bracket. Each slice of taxable income is taxed at its bracket’s rate, federally and provincially.
  4. Credits. The basic personal amount, Canada employment amount, base CPP contributions and EI premiums reduce tax at the lowest rate.
  5. Provincial adjustments. Surtaxes, reductions and premiums such as Ontario’s Health Premium are applied.

Under More options you can switch to self-employed, add a bonus or overtime, RRSP contributions, a workplace pension, union dues and other income. Turn on Reverse to find the salary you need for a take-home target. Every calculation is saved to the salary comparison list in your browser so you can compare offers and provinces.

This is an annual estimate for a single person. It does not include refundable credits and benefits, the Canada workers benefit, dividends or capital gains. See how we calculate for details.

Income tax calculator by province

Frequently asked questions

How much tax do I pay on $75,000 in Canada?
In Ontario in 2026, about $12,705 in federal and provincial income tax plus $5,370 in CPP and EI, leaving roughly $56,926 of take-home pay. Other provinces differ — choose yours in the calculator.
What is the difference between marginal and average tax rate?
Your marginal rate is the tax on your next dollar of income — the rate of your highest bracket, combined federal and provincial. Your average rate is your total income tax divided by your income, and is always lower.
What are the federal tax brackets for 2026?
14% up to $58,523, 20.5% up to $117,045, 26% up to $181,440, 29% up to $258,482, and 33% above that.
Does a raise into a higher bracket reduce my take-home pay?
No. Only the income above the bracket threshold is taxed at the higher rate, so a raise always increases your take-home pay.
Are CPP and EI included?
Yes. The calculator deducts CPP (or QPP in Québec), CPP2/QPP2 and EI premiums, plus QPIP in Québec, using 2026 rates and maximums.

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Sources

Checked against these official sources on . How we calculate

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