Newfoundland and Labrador Income Tax Calculator 2026

Newfoundland and Labrador tax calculator for 2026: federal + provincial tax, CPP and EI. On $75,000 you take home $54,737 ($4,561 a month). Brackets and marginal rates.

Updated 2026-10-03 · CRA 2026 rates

Take-home pay per month$4,561.39$54,737 · 27.0% average tax rate · 37.6% marginal · 2026

	Per	Per year
Gross income	$6,250.00	$75,000
Federal tax	-$688.22	-$8,259
Provincial tax (Newfoundland and Labrador)	-$552.93	-$6,635
CPP contributions	-$353.87	-$4,246
EI premiums	-$93.59	-$1,123
Take-home pay	$4,561.39	$54,737

Take-home pay $54,737 73.0%
Federal tax $8,259 11.0%
Provincial tax $6,635 8.8%
CPP contributions $4,246 5.7%
EI premiums $1,123 1.5%

Take-home pay vs deductions at every salary (Newfoundland and Labrador, 2026)

Take-home pay
Tax, CPP & EI

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Newfoundland and Labrador tax brackets 2026

Newfoundland and Labrador taxable income over	Rate
$0	8.70%
$44,678	14.50%
$89,354	15.80%
$159,528	17.80%
$223,340	19.80%
$285,319	20.80%
$570,638	21.30%
$1,141,275	21.80%

Federal taxable income over	Rate
$0	14.0%
$58,523	20.5%
$117,045	26.0%
$181,440	29.0%
$258,482	33.0%

Newfoundland and Labrador's basic personal amount for 2026 is $13,094. Newfoundland and Labrador low-income tax reduction ($997 less 16% of net income over $23,928, 2025 amounts), as on Form NL428.

Take-home pay in Newfoundland and Labrador at common salaries (2026)

Salary	Federal tax	Newfoundland and Labrador tax	CPP + EI	Take-home	Per month	Marginal
$30,000	$1,397	$1,223	$2,066	$25,314	$2,109	38.7%
$50,000	$3,985	$3,181	$3,582	$39,252	$3,271	28.5%
$75,000	$8,259	$6,635	$5,370	$54,737	$4,561	35.0%
$100,000	$13,302	$10,326	$5,770	$70,603	$5,884	36.3%
$150,000	$25,302	$18,226	$5,770	$100,702	$8,392	41.8%
$200,000	$38,877	$26,913	$5,770	$128,441	$10,703	47.1%

Key facts

Newfoundland and Labrador has eight income tax brackets for 2026: 8.7% up to $44,678, 14.5% to $89,354, 15.8% to $159,528, 17.8% to $223,340, 19.8% to $285,319, 20.8% to $570,638, 21.3% to $1,141,275 and 21.8% above that (CRA, 2026 tax rates and income brackets).
The NL basic personal amount for 2026 is $13,094, up from $11,067 in 2025 (NL Department of Finance; Income Tax Act, 2000 s 9).
NL Budget 2026 announced a basic personal amount of $15,000; in law the 2026 amount is $13,094 (up from $11,188 in CRA’s January payroll tables), effective 1 January 2026, and because employers used the lower amount until June, payroll uses a prorated $15,000 from July 2026 (CRA T4127, July 2026 edition; NL Budget 2026).
NL tax brackets, most non-refundable credits and the low-income tax reduction are indexed every year to the Newfoundland and Labrador Consumer Price Index; the 2026 indexation factor was 1.1% (NL Department of Finance; CRA T4127 Table 8.2).
NL non-refundable credits are worth 8.7% of the amount claimed, the province’s lowest tax rate; charitable donations above $200 get 21.8% (Form NL428).
Newfoundland and Labrador has no personal income surtax: the surtax in s 32 of the Income Tax Act, 2000 applied to 2007 only, and the temporary deficit reduction levy applied to 2016–2019 only.
The NL low-income tax reduction for 2025 is $997 for an individual (plus $557 for a spouse or eligible dependant), reduced by 16% of adjusted family income above $23,928, or $40,460 for families (Form NL428, 2025). The 2026 amounts had not been published at the time of writing, so these 2025 figures are used.
For 2025 the low-income tax reduction wipes out provincial income tax for individuals with net income up to $23,928 and gives a partial reduction up to $30,159 (NL Department of Finance).
The NL Income Supplement and NL Seniors’ Benefit are refundable credits paid quarterly with the federal GST/HST credit; Budget 2026 raised the Seniors’ Benefit by 20% to a maximum of $1,882 from July 2026 (NL Department of Finance).
Newfoundland and Labrador raised its HST from 13% to 15% on 1 July 2016 by increasing the provincial part from 8% to 10% (NL Department of Finance; CRA GST/HST rates).
NL rebates the provincial part of the HST at the point of sale on qualifying printed books; the general book rebate was reinstated on 1 January 2018 (NL Department of Finance; CRA GI-065).
Newfoundland and Labrador income tax is calculated on Form NL428 and filed with your federal T1 return; CRA collects it for the province (Form NL428).

Other provinces

How the Newfoundland and Labrador tax calculator works out your 2026 tax

Take a salary of $85,000. The enhanced part of your CPP is deducted first, so taxable income is $83,873. Gross provincial tax is $9,570.26. Non-refundable credits on the basic personal amount, base CPP and EI are worth $1,543.08 at 8.7%, which leaves NL tax of $8,027.18. Add federal tax of $10,227, CPP of $4,646 and EI of $1,123, and take-home pay comes to $60,977, or $2,345 every two weeks.

NL band ($85,000 salary)	Rate	Income in band	Tax
$0 – $44,678	8.7%	$44,678	$3,886.99
$44,678 – $89,354	14.5%	$39,195	$5,683.28

Newfoundland and Labrador tax rate at low incomes: the reduction clawback

At low incomes your NL marginal rate can exceed the middle-income rate, because the low-income tax reduction is clawed back as income rises.

On $28,000 of employment income, NL tax before the reduction is $1,130.29. The reduction takes $384.68 off that, so you pay $745.61. The combined marginal rate is 38.7% there, against 35.0% at $60,000.

NL benefits and credits paid through your tax return

File to get these, even with no tax owing. CRA amounts for July 2026 to June 2027:

Newfoundland and Labrador child benefit: $157.33 a month for the first child, $166.83 for the second, $179.16 for the third and $192.50 for each additional child. It is reduced above $20,397 of adjusted family net income.
NL income supplement: up to $520 a year for a single person, with extra amounts for a spouse and $231 for each child under 19. Paid quarterly with the federal Canada Groceries and Essentials Benefit.
NL seniors’ benefit: up to $1,882 a year if you are 64 or older on December 31 and family net income is $30,409 or less. It is phased out at 11.66% of income above that and ends at $46,549.

Labrador and the northern residents deductions

Labrador, including Belle Isle, is a prescribed northern zone under section 7303.1 of the Income Tax Regulations. The island of Newfoundland is in no zone. Labrador residents of six months or more claim the residency and travel deductions on Form T2222.

Section 110.7 of the Income Tax Act sets $11 a day for the basic residency amount, plus another $11 a day if you maintain the home and no one else in it claims. For a full year that is $8,030 off taxable income. At a $85,000 salary it cuts combined federal and NL tax by about $2,811.

After-tax income in Newfoundland and Labrador vs other Atlantic provinces

Newfoundland and Labrador has the most brackets of the Atlantic provinces, and its top rate of 21.8% only starts above $1,141,275. Here is how a single employee's 2026 results compare at the same salary:

On $85,000 salary (2026)	Provincial/territorial tax	All tax + CPP + EI	Take-home	Marginal rate
Newfoundland and Labrador	$8,027	$24,023	$60,977	35.0%
Nova Scotia	$9,549	$25,545	$59,455	37.2%
New Brunswick	$7,614	$23,610	$61,390	34.5%
Prince Edward Island	$8,650	$24,646	$60,354	37.1%

Frequently asked questions

Why is my NL refund bigger than expected on a low income?

Payroll withholding ignores the Newfoundland and Labrador low-income tax reduction. The reduction is applied only on Form NL428 when you file, so on a modest income like $28,000 it comes back as a refund of about $385.

Which TD1 form do Newfoundland and Labrador employees fill out?

The federal TD1 and the TD1NL 2026. The TD1NL sets the provincial credits your employer uses for withholding; Labrador residents claim the prescribed-zone deduction on page 2 of the federal TD1.

What is the Newfoundland and Labrador disability benefit?

A non-taxable monthly payment for low-income people with disabilities, new for 2025 according to the CRA. It pays up to $400 a month to people aged 18 to 64 with a valid disability tax credit certificate, based on your tax return.

Sources

Figures are taken from official government publications and were last reviewed on 2026-10-03.