Interactive tool
Canadian income tax calculator — 2026
Federal and provincial tax on T4 employment income, including CPP, CPP2, and EI. Add your RRSP and FHSA to see what they actually save you.
Take-home pay
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Total income tax
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Average rate
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Marginal rate
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Breakdown
Where your income lands
| Federal bracket | Rate | Taxed here | Tax |
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| Provincial bracket | Rate | Taxed here | Tax |
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RRSP optimizer
2026 RRSP dollar limit is $33,810 (18% of 2025 earned income, plus any carry-forward). FHSA: $8,000 per year, $40,000 lifetime.
Estimate only, based on 2026 federal and provincial rates. Assumes a single T4, no dependants, and no other credits (tuition, medical, donations, spousal transfers). This is a teaching tool, not tax advice — confirm your numbers with a qualified tax professional or the CRA before filing.
General education, not personalized financial advice.