Canada Income Tax Calculator — Calculate Your CRA Tax
Free Canadian income tax calculator for 2026 tax year. Calculate federal and provincial tax CPP EI and take-home pay for any province.
Canada has a combined federal and provincial tax system which means your total tax rate depends on which province you live in. Federal rates range from 15% to 33% and provincial rates vary significantly. Alberta has the lowest provincial rate while Quebec has the highest. Understanding both levels of taxation helps you plan your finances and maximize deductions like RRSP contributions and the Basic Personal Amount.
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Key Information
| Parameter | Details |
|---|---|
| Federal Basic Personal Amount | $16,129 (2026 estimate) |
| Federal Rate (15%) | $0 - $57,375 |
| Federal Rate (20.5%) | $57,375 - $114,750 |
| CPP Contribution Rate | 5.95% (employee share) |
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Use Calculator NowFrequently Asked Questions
How much tax on $80000 salary in Canada?
On an $80000 salary in Ontario your approximate federal tax is $10500 provincial tax is $4800 CPP is $3750 and EI is $1050. Total deductions are approximately $20100 giving a take-home pay of about $59900 per year or $4992 per month. The effective tax rate is approximately 25.1%. Alberta residents pay less due to lower provincial rates.
What is RRSP and how does it save tax?
Registered Retirement Savings Plan (RRSP) contributions are tax-deductible reducing your taxable income. If you earn $80000 and contribute $10000 to RRSP you are taxed on $70000 instead. In the 29.65% marginal bracket this saves approximately $2965 in tax immediately. The contribution limit is 18% of previous year earned income up to $31560 for 2026.
Which Canadian province has the lowest tax?
Alberta has the lowest provincial income tax with a flat 10% rate on the first $148269. British Columbia and Ontario have progressive rates starting lower but increasing faster. Quebec has the highest rates but also offers more social programs. Moving provinces can significantly impact your take-home pay especially at higher income levels.
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Last updated: 24 March 2026