2026 Canadian employment income
Tax Bracket Calculator
Estimate federal and provincial income tax, CPP, EI, marginal income tax, bonus deductions, and take-home pay using official 2026 inputs. Supported provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, and Saskatchewan.
Your 2026 details
Employment income only. CPP and EI are calculated separately from income tax and included in take-home pay.
Income tax
$14,627
Federal $10,227 + provincial $4,401
Effective tax rate
17.21%
Income tax only
Marginal tax rate
28.2%
Estimated income tax on the next $100
Take-home pay
$64,603
76.0% of gross after tax, CPP and EI
Income tax and payroll deductions
Income tax is $14,627. Employee CPP and EI total $5,770.
Federal tax
$10,227
British Columbia tax
$4,401
CPP
$4,646
EI
$1,123
The first additional CPP ($711) and CPP2 ($416) reduce net income. Base CPP and EI create non-refundable tax credits.
2026 statutory brackets
BPA and CPP/EI amounts are non-refundable credits, so bracket thresholds are not shifted by the BPA.
Federal
British Columbia
The federal BPA used here is $16,452 and produces a $2,303 non-refundable federal credit. It does not remove income before tax brackets are applied. The BPA phases down between $181,440 and $258,482 of net income.
Sources: CRA T4127; B.C. rates and B.C. credits.
Related reading
2026 RRSP Contribution Limit: What You Need to Know
Use the RRSP guide when your goal shifts from understanding current tax to planning an RRSP contribution.
How it works
01
Enter employment income
Choose one of nine supported provinces and optionally add a bonus. Inputs stay in the browser and do not create indexable URL variants.
02
Apply brackets, then credits
Tax is calculated on statutory bracket bands. BPA, base CPP, EI, and the Canada employment amount are applied as non-refundable credits; enhanced CPP deductions reduce net income.
03
Separate each result
Income tax, CPP, EI, marginal income tax, total payroll deductions, and take-home pay remain separate so the result is easier to interpret.
Tax planning tools
Scope and sources
Included. 2026 federal and supported-province brackets and BPAs; federal BPA phase-down; Canada employment amount; employee CPP, CPP2, and EI; base CPP/EI credits; B.C. tax reduction; and Ontario tax reduction, surtax, and Health Premium.
Excluded. Quebec and territories; spouse, dependant, age, disability, tuition, medical, dividend, donation, and other personal credits; benefits and clawbacks; RRSP deductions; self-employment; capital gains; alternative minimum tax; and province-specific low-income credits not listed above. Results are a general planning estimate, not a tax return or payroll-withholding calculation.
Primary tax source. CRA T4127, current 2026 edition supplies the current federal and provincial inputs, BPA formulas, Ontario surtax, CPP, CPP2, and EI values.
Current provincial updates. B.C. tax rates, B.C. credits, and the Ontario Health Premium were checked against current provincial publications.
Frequently asked questions
What are the federal income tax brackets for 2026?
The 2026 federal rates are 14% up to $58,523, 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.
Is the Basic Personal Amount an income deduction?
No. The Basic Personal Amount is a non-refundable tax credit. Federal tax is first calculated using the statutory brackets, then the BPA amount is multiplied by the 14% lowest federal rate and applied as a credit. The maximum 2026 federal BPA is $16,452 and phases down at higher net incomes.
Does the effective tax rate include CPP and EI?
The effective income tax rate shown by this calculator includes federal and provincial income tax only. CPP and EI are displayed separately. Take-home pay subtracts income tax, employee CPP contributions, and EI premiums.
Which provinces does this calculator support?
The calculator supports 2026 calculations for Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, and Saskatchewan. Quebec, the territories, and province-specific situations outside this scope are not calculated.