2026 tax year · CRA figures
Canada Income Tax Calculator 2026Your Take-Home Pay
See federal and Ontario income tax, CPP and EI on your salary — and what you actually take home each month.
Your take-home pay
C$63,679
C$5,307 / month · C$2,449 every two weeks
| Gross salary | C$85,000 |
| Federal income tax | −C$10,227 |
| CPP + CPP2 contributions | −C$4,646 |
| EI premiums (1.63%) | −C$1,123 |
| Ontario income tax (incl. surtax) | −C$4,574 |
| Ontario Health Premium | −C$750 |
| Total tax & contributions | C$21,321 |
| Average / marginal rate | 25.1% / 29.6% |
Have income or property in India? Rent, NRO interest or a property sale is taxed in India too — and you may be owed a TDS refund. Free NRI tax check
What this calculator assumes
- 2026 federal brackets starting at 14%; basic personal amount $16,452 (reduced at high incomes); Canada employment amount $1,501.
- CPP 5.95% on earnings between $3,500 and $74,600, CPP2 4% up to $85,000; EI 1.63% up to $68,900.
- Ontario 2026 brackets, basic personal amount $12,989, surtax and Ontario Health Premium. Ontario's low-income tax reduction is not included.
- "Other province" shows federal tax, CPP and EI only — provincial tax is extra.
- Employment income only; an estimate for planning.
Frequently asked questions
What is the lowest federal tax rate in 2026?
14% on taxable income up to $58,523. It was cut from 15% part-way through 2025.
How much CPP will I pay in 2026?
5.95% on earnings between $3,500 and $74,600 (maximum $4,230.45), plus CPP2 at 4% on earnings from $74,600 to $85,000 (maximum $416).
What is the Ontario Health Premium?
An extra amount collected through your Ontario tax, from $0 on taxable income up to $20,000 rising to $900 above $200,600.
I'm from India living in Canada — does India tax me?
Your Canadian salary isn't taxed in India while you are an NRI. Indian income such as rent or NRO interest is taxed in India, and Canada usually gives a foreign tax credit. Our free NRI tax check shows your Indian position.