Know your real after-tax income — before you ever open a tax form.
Canada Tax Estimator 2026 PRO models federal & provincial tax, CPP/QPP, EI, RRSP & TFSA room, dividends and capital gains — the same mechanics a professional preparer uses, plus an AI advisor that flags exactly where you could save.
| Federal tax | $9,243 |
| Provincial tax | $4,885 |
| CPP/QPP contributions | $4,446 |
| EI premiums | $1,123 |
| RRSP room remaining | $33,810 |
Try it yourself — free, right now
These two calculators are free forever. They use the same verified 2026 rates as the full PRO tool, just with a smaller slice of what it can do.
Free 2026 Tax Bracket Finder
Enter your income and province to see your federal + provincial tax bracket and combined marginal rate.
Free RRSP Room Calculator
Estimate your 2026 RRSP contribution room from last year's earned income.
Great for a quick check. PRO is built for real decisions.
| What you get | Free tools | Canada Tax Estimator 2026 PRO |
|---|---|---|
| Federal + provincial tax bracket | ✓ | ✓ |
| RRSP room estimate | ✓ | ✓ |
| Full after-tax income, marginal & average rate | — | ✓ |
| CPP/QPP legacy vs. enhanced split, CPP2, EI | — | ✓ |
| Dividends (eligible/non-eligible) & capital gains, LCGE | — | ✓ |
| AI Tax Advisor with personalized tips | — | ✓ |
| Side-by-side scenario comparison | — | ✓ |
| PDF / CSV / JSON export | — | ✓ |
| Practitioner mode: client save/load, firm branding | — | ✓ |
Every province and territory, modeled correctly — not approximated
Most calculators handle Ontario and BC well, then guess at the rest. This one applies the actual bracket structure, surtaxes and credits for all 13 jurisdictions.
- Ontario surtax (20%/36%) and Health Premium calculated automatically
- Quebec's 16.5% federal abatement applied correctly
- Federal Basic Personal Amount phase-out for higher incomes
- Prince Edward Island's new top bracket already included
| Band | Rate | Tax |
|---|---|---|
| $0 – $58,523 | 14.00% | $8,193 |
| $58,523 – $75,000 | 20.50% | $3,378 |
| Ontario band | Rate | Tax |
|---|---|---|
| $0 – $53,891 | 5.05% | $2,722 |
| $53,891 – $75,000 | 9.15% | $1,932 |
It doesn't just calculate — it tells you what to do next
Based on your actual numbers, the advisor flags unused RRSP room, TFSA opportunities, self-employed CPP obligations, and whether the Lifetime Capital Gains Exemption might apply to you.
- Plain-language tips, not generic tax articles
- Quick-question chips for common scenarios
- Rule-based and transparent — you can see exactly why each tip appears
See the real difference before you decide
Considering a raise, a move, or a bigger RRSP contribution? Run it side-by-side against your current numbers and see exactly what changes in your after-tax income.
- Compare two provinces at the same income
- Model a job offer or raise before accepting
- Test different RRSP contribution amounts instantly
Hand off a clean summary in one click
Export a polished PDF, a CSV for your spreadsheet, or JSON to save and reload later. Practitioner mode adds client scenario saving and your firm's branding on every export.
- PDF summary ready to print or email
- CSV breakdown for your own records
- Save multiple client scenarios, switch instantly
Built for the details that change your actual number
CPP/QPP done right
Legacy vs. enhanced contributions split correctly — credit vs. deduction, exactly as CRA treats them.
Dividend tax credits
Federal + province-specific eligible/non-eligible rates, cross-verified against legislative sources.
Capital gains & LCGE
50% inclusion rate plus an optional Lifetime Capital Gains Exemption shelter.
Canada Employment Amount
The often-missed employment credit, applied automatically for T4 income.
Dark mode
Because tax planning at 11pm shouldn't be blinding.
Works offline
One HTML file. No install, no account, no internet needed after download.
Self-employed ready
Both CPP portions, instalment-awareness notes, and business-income handling.
Quebec-aware
Federal abatement and QPP handled, with clear notes on what still needs Revenu Québec.
If you're relocating for work, taking a cross-border job offer, or comparing a Canadian salary against a US one, this tool gives you the real Canadian after-tax number to compare against — not just a rough estimate. Enter the province you'd actually be living in and see your true take-home pay before you decide.
Whether you're planning your own year or someone else's.
For anyone who wants a real number, not a guess
- See your true take-home pay before accepting a raise or job offer
- Know exactly how much RRSP room you have left — and what it's worth
- Understand how dividends or a stock sale will actually be taxed
- Compare two provinces before a move
For accountants, bookkeepers & financial planners
- Save and reload scenarios for multiple clients
- Add your firm's name, phone and email to every PDF export
- Run "what-if" conversations live, without opening full tax software
- One purchase covers both personal and client-facing use
Three steps. No sign-up, no install.
Enter your numbers
Income, province, RRSP, dividends, capital gains — whatever applies to you.
See the full breakdown
Federal & provincial tax, CPP/EI, marginal & average rate, and where every dollar goes.
Export or compare
Download a PDF summary, or run a second scenario side-by-side to see what changes.
One purchase. Every province. Both modes.
- Federal + all 13 provinces & territories
- Individual & Practitioner mode, together
- AI Tax Advisor, charts, scenario comparison
- PDF, CSV & JSON export, firm branding
- Works offline, in any browser — nothing to install
Before you buy
Is this official CRA filing software?
No. It's a planning and estimation tool for understanding your tax position before you file — not a NETFILE-certified return preparation product. It does not replace filing with the CRA or Revenu Québec.
Which provinces and territories are covered?
All of them — Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, Quebec, New Brunswick, Nova Scotia, PEI, Newfoundland & Labrador, Yukon, Northwest Territories and Nunavut.
Do I need to install anything?
No. It's a single file that opens in any modern browser — Chrome, Safari, Edge, Firefox — on desktop or mobile, no internet connection required after download.
Can I use this for clients?
Yes — Practitioner mode is built in and included in the same purchase, no separate professional tier to buy.
Does this replace my accountant?
No, and it isn't meant to. It doesn't model every credit, benefit, or edge case a full tax return does. It's built to help you understand your numbers and make better decisions — then take that clarity into your filing or your advisor conversation.
Is the $19 price permanent?
No — it's a limited-time launch price. The regular price is $39.
Stop guessing what you'll actually take home.
$19 for a limited time · every province · both individual and practitioner use.
Get Canada Tax Estimator 2026 PRO for $19 →