Work out your 2026 income tax and take-home pay in any province or territory outside Quebec, including federal and provincial tax, CPP, CPP2 and EI.
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2026 federal tax brackets
| Taxable income | Rate |
|---|---|
| Up to $58,523 | 14% |
| $58,523 – $117,045 | 20.5% |
| $117,045 – $181,440 | 26% |
| $181,440 – $258,482 | 29% |
| Over $258,482 | 33% |
The lowest federal rate is 14% for 2026, down from 15%. The federal basic personal amount is $16,452, reduced for high earners. Provinces add their own tax on top, and employees pay CPP (5.95% up to $74,600, plus 4% CPP2 up to $85,000) and EI (1.63% up to $68,900).
Take-home pay by province
| Province | $60,000 salary | $100,000 salary |
|---|---|---|
| Ontario | $47,340 | $74,206 |
| British Columbia | $47,755 | $75,373 |
| Alberta | $47,691 | $74,459 |
| Nova Scotia | $44,726 | $68,867 |
Example: $75,000 in Ontario
Federal tax is about $8,259, Ontario tax $4,446, CPP $4,246 and EI $1,123. Take-home is about $56,926 a year, or $4,744 a month.
British Columbia raised its lowest rate to 5.6% for 2026, and Newfoundland and Labrador raised its basic personal amount part-way through the year (the calculator uses the full-year figure of $13,094).
Frequently asked questions
What are the federal tax brackets for 2026?
14% up to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above.
Why isn't Quebec included?
Quebec residents file a separate provincial return and pay QPP and QPIP instead of CPP and part of EI, with a federal abatement. It needs its own calculator.
What is CPP2?
A second contribution of 4% on earnings between $74,600 and $85,000 in 2026.
Is this my exact tax?
It’s an estimate for employment income using standard credits. RRSP contributions, other credits and other income will change your result.
Sources
- TaxTips.ca: 2026 federal tax rates
- Wealthsimple: 2026 tax brackets
- Government of B.C.: Personal income tax rates
- TaxTips.ca: 2026 personal tax credits
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