How our calculators work

Sales tax (GST, HST, PST, RST, QST)

• Each tax is calculated on the price before tax: tax = price × rate. No tax is charged on another tax in any province.
• Amounts are handled in whole cents and each tax is rounded to the nearest cent, with half a cent rounding up, as the CRA describes.
• In itemized mode, items with the same tax treatment are added together before tax is calculated and rounded once.
• Removing tax: price = total ÷ (1 + combined rate), rounded to the cent. The total you enter is kept exactly; any rounding cent goes to the last tax line.
• Discounts reduce the taxable price before tax. Tips are not taxed.
• Rates are the general rates for each province. Special rates (for example B.C. PST on liquor and vehicles) aren’t applied automatically.

Income tax and take-home pay

The income tax calculator estimates a full year of tax for a single employee, using the CRA’s 2026 payroll formula parameters (T4127).

1. Payroll deductions: CPP (or QPP), CPP2/QPP2, EI and, in Quebec, QPIP at 2026 rates and maximums.
2. Taxable income: employment and other income, minus the enhanced part of CPP/QPP contributions, RRSP contributions and other deductions you enter.
3. Tax by bracket for federal and provincial tax.
4. Non-refundable credits: basic personal amount (with the federal, Manitoba and Yukon phase-downs), Canada employment amount, base CPP/QPP and EI/QPIP, at the lowest rate. Quebec does not credit QPP, QPIP or EI.
5. Adjustments: Quebec abatement (16.5% of federal tax), Ontario surtax, Ontario tax reduction and Ontario Health Premium, B.C. tax reduction, Alberta supplemental credit.

• Pay entered per hour, day or week is turned into an annual amount with your hours per week, days per week and paid weeks per year (40 hours, 5 days and 52 weeks by default).
• Self-employed: you pay both halves of CPP/QPP (11.9% / 12.6%, plus 8% CPP2/QPP2); the employer half and the enhanced part are deducted from income, the base part of the employee half earns the credit; no EI and no Canada employment amount. QPIP for self-employed Quebec residents isn’t included.
• Workplace pension (RPP) and union dues are deducted from taxable income and also come off your take-home pay. RRSP contributions reduce tax but aren’t subtracted from take-home pay.
• Reverse mode searches for the salary whose take-home pay matches your target, to the cent.
• “Your next $100” shows income tax plus CPP/EI on a $100 raise. The marginal tax rate elsewhere is income tax only.

Mid-year 2026 changes are applied at their full-year values: B.C.’s 5.60% lowest rate and $690 tax reduction, Newfoundland and Labrador’s $13,094 basic personal amount, and P.E.I.’s new 20% bracket.

Not included: refundable credits and benefits, the Canada workers benefit, other provincial low-income reductions, the Québec deduction for workers, pension income, dividends, capital gains, and alternative minimum tax. Results may differ from your pay stub, which spreads tax across pay periods.

GST/HST for businesses

• Remittance: net tax = GST/HST collected − input tax credits − instalments. PST and QST are filed separately and are not included.
• Small supplier test: $30,000 ($50,000 for public service bodies) in a single calendar quarter or over four consecutive quarters, using CRA timing rules.
• Quick Method: rates from guide RC4058, the 1% credit on the first $30,000 of eligible sales each fiscal year, and ITCs on capital purchases.
• Deadlines: one month after monthly and quarterly periods; three months after year-end for annual filers; April 30 / June 15 for sole proprietors with a December 31 year-end. Weekend dates move to Monday; statutory holidays are not shifted automatically.

Groceries and Essentials Benefit

Amounts for July 2026 to June 2027 come from the CRA. The 2% phase-in of the single supplement and the 5% income reduction are not stated on CRA pages; we derived them from the CRA payment chart and maximum-income table, which they reproduce exactly.

New home rebates and land transfer tax

• Federal new housing rebate: 36% of GST up to $6,300, phased out linearly between $350,000 and $450,000.
• First-time home buyers’ rebate: GST up to $50,000, phased out linearly between $1,000,000 and $1,500,000; combined with the regular rebate it can’t exceed $50,000.
• Ontario: new housing rebate (75% of the 8% part, up to $24,000); first-time buyer rebate up to $80,000 (between $1M and $1.5M the exact formula isn’t published, so we estimate it on a straight line); enhanced rebate and affordability payment for agreements from April 1, 2026 to March 31, 2027.
• Land transfer tax: Ontario and Toronto marginal rates, including Toronto’s rates from April 1, 2026 and first-time buyer refunds.

How we keep data current

All rates live in one versioned dataset with the official source next to each figure. We check them when governments announce changes and every January when new income tax parameters take effect. The date at the top of each page shows the last check.