Canadian Tax Guides, Rates and Calculators for 2026
True North Taxes explains how Canadian taxes work in plain English: 2026 tax brackets, marginal rates for every province and territory, take-home pay by salary, RRSP and TFSA rules, GST/HST, deductions and what happens after you file. Figures come from CRA and provincial sources, and our calculators are checked against the CRA’s own payroll calculator.
Last reviewed: November 8, 2026 · Tax year: 2026
2026 Canadian Tax Numbers at a Glance
| Federal rate (2026) | Taxable income |
|---|---|
| 14% | Up to $58,523 |
| 20.5% | $58,523 to $117,045 |
| 26% | $117,045 to $181,440 |
| 29% | $181,440 to $258,482 |
| 33% | Over $258,482 |
Provincial and territorial tax is added on top. See the full federal brackets and the combined marginal rates by province.
How Much Is Your Salary Worth After Tax?
Take-home pay in 2026 for a single employee with employment income only, after income tax, CPP or QPP and EI. Select a figure for the full breakdown.
| Province | $60,000 | $80,000 | $100,000 |
|---|---|---|---|
| Ontario | $47,340$3,945 a month | $60,303$5,025 a month | $74,206$6,184 a month |
| British Columbia | $47,755$3,980 a month | $61,157$5,096 a month | $75,373$6,281 a month |
| Alberta | $47,691$3,974 a month | $60,698$5,058 a month | $74,459$6,205 a month |
| Quebec | $45,329$3,777 a month | $57,012$4,751 a month | $69,585$5,799 a month |
Want your own number? Use the income tax calculator, or the self-employed calculator if you work for yourself.
Browse Canadian Tax Topics
Calculators and tools
Estimate your tax, refund, payroll deductions and sales tax.
Tax rates and brackets
Federal and provincial rates, thresholds and the amounts that change each year.
Deductions and credits
What you can claim to lower your tax and how to claim it.
Tax planning: RRSP and TFSA
Registered accounts, income splitting and ways to defer or reduce tax.
Self-employed and business
Reporting income, expenses, instalments and GST/HST as a freelancer or owner.
GST/HST and benefits
Payment dates, eligibility and filing deadlines for the GST/HST credit and related benefits.
After you file
Refunds, your notice of assessment, reassessments and CRA reviews.
New to Canada
Filing for the first time, newcomer credits and reporting foreign income.
Tax software and filing
Compare tax software and learn how to file online for free.
Marginal Tax Rates by Province and Territory
Each province and territory has its own brackets, credits and surtaxes. Pick yours for the combined federal and provincial rate at every income level.
Quebec residents can also read our guides in French: Informations fiscales et financières canadiennes. For province-specific credits and rebates, see tax benefits by province.
Most-Used Guides for the 2026 Tax Year
- Federal tax brackets: 2026 federal rates and income thresholds, and what to expect for 2027.
- Basic personal amount: The federal and provincial amounts you can earn before paying income tax.
- CPP and EI premiums: Contribution rates and yearly maximums for employees and the self-employed.
- TFSA contribution limit: The annual limit, by year, and how to work out your cumulative room.
- Tax deadline in Canada: The next filing and payment dates, and the penalties for missing them.
- GST/HST credit payment dates: Quarterly payment dates and the new Canada Groceries and Essentials Benefit.
Frequently Asked Questions About Canadian Taxes
What are the federal tax brackets in Canada for 2026?
For 2026 the federal rates are 14% on the first $58,523 of taxable income, 20.5% from $58,523 to $117,045, 26% from $117,045 to $181,440, 29% from $181,440 to $258,482 and 33% above $258,482. You also pay provincial or territorial tax on top.
How much of an $80,000 salary do I keep in Ontario?
On an $80,000 salary in Ontario you take home about $60,303 a year in 2026, or about $5,025 a month, after federal and Ontario income tax, the Ontario Health Premium, CPP and EI. That is an average deduction rate of about 24.6%.
What is the difference between a marginal and an average tax rate?
Your average tax rate is your total income tax divided by your income. Your marginal rate is the combined federal and provincial tax on your next dollar of taxable income. Only the income inside a bracket is taxed at that bracket’s rate, so a raise never lowers your take-home pay.
When is the deadline to file my 2026 tax return?
For most people the deadline to file and pay is April 30, 2027. Self-employed individuals and their spouses or common-law partners have until June 15, 2027 to file, but any tax owing is still due on April 30.
What is the TFSA contribution limit for 2026?
The TFSA annual limit for 2026 is $7,000. Your own room also includes unused room from past years and any amounts you have withdrawn, which are added back the following January.
How accurate are your calculators?
They estimate tax for a single person with employment or self-employment income only, using 2026 federal and provincial rules. We checked the results against the CRA payroll deductions calculator and Revenu Québec’s withholding tool. Your own return will differ if you have other income, credits or deductions, so treat the result as an estimate, not tax advice.
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About This Site and Our Sources
How we work. True North Taxes is an independent information site and is not affiliated with the Canada Revenue Agency or any government. We build our figures from the CRA’s payroll deductions formulas (T4127), provincial sources and Revenu Québec, and we review the key pages when rates change. Articles are general information, not tax, legal or financial advice. See our legal disclaimer, privacy policy or contact us. Looking for a specific page? Browse the site map.
