All Canadian Tax & Pay Calculators

Which Canadian tax calculator do you need?

Start from the question you are trying to answer, not the tax. Most people want one of four things: what lands in their bank account, whether they will get a refund, how much tax a one-off event will cost (selling shares, cashing an RRSP, buying a house), or how much a benefit will pay. The table matches common situations to the right tool.

Income tax and pay calculators

The salary calculator and the province pages run the same engine: federal tax on the 2026 brackets, provincial tax with each province's own credits and surtaxes, then CPP or QPP, EI and (in Quebec) QPIP. Use it for a paycheque estimate by year, month, two weeks or week. The tax brackets page shows the raw rate tables and the combined marginal rate at common incomes, which is the number you need when deciding whether an RRSP contribution or a raise is worth it.

The tax refund calculator works backwards from your slips: it compares the tax your employer deducted (box 22 of the T4) with the tax you actually owe after an RRSP deduction and other income. The self-employed calculator adds both halves of CPP at 11.9% and splits the result into quarterly instalments, since no one withholds tax for you.

Investing, retirement and benefit calculators

The capital gains calculator applies the 50% inclusion rate (the proposed increase to two-thirds was cancelled) and stacks the taxable half on top of your other income, so the result reflects your real marginal rate. The RRSP calculator shows the refund a contribution generates; the RRSP withdrawal calculator shows the 10%, 20% or 30% tax your bank withholds on a lump sum, which is often less than the tax you finally owe on it.

The Canada child benefit calculator covers the July 2026 – June 2027 benefit year (up to $8,157 per child under 6). The GST/HST credit calculator covers the same period, when the credit became the Canada Groceries and Essentials Benefit, up to $445 per adult. Both use your adjusted family net income from the previous year's return, so filing on time matters even with no income.

Sales tax and property calculators

The sales tax calculator adds GST, HST, PST or QST to a price for any province; the reverse calculator takes a tax-included total and backs out the pre-tax price, which is what you need when an invoice or receipt only shows the total. Rates run from 5% GST only in Alberta and the territories to 15% HST.

The land transfer tax calculator covers Ontario, Toronto's municipal tax, the BC property transfer tax, Quebec's welcome tax and Manitoba, with first-time buyer rebates where they exist. The Ontario estate administration tax calculator gives the probate fee on an estate.

How the figures are sourced and kept current

Every rate, bracket and threshold comes from an official publication: the CRA's tax rate pages and indexation table, the T4127 Payroll Deductions Formulas that employers' software uses, Revenu Québec and the RQAP for Quebec, and each provincial finance ministry. The sources are listed at the bottom of every calculator page, and each page shows when it was last updated.

Federal brackets and most credit amounts are indexed to inflation each January. The CRA says it uses Consumer Price Index data reported by Statistics Canada; the indexation rate was 2.7% for 2025 and 2.0% for 2026. Some provinces index on their own schedule, and a few change rates mid-year, so the CRA publishes a July edition of T4127 as well. When a new edition appears, the numbers on these pages are updated from it rather than estimated.

The calculators run in your browser; the figures you type are not sent to a server or saved.

Reading your results: average rate vs marginal rate

Most calculators here show two percentages, and they answer different questions. The average rate is your total tax divided by your income: on $85,000 in Ontario it is 25.1% in 2026, which tells you how much of your whole salary goes in tax and payroll contributions. The marginal rate is the tax on your next dollar, 29.7% at the same income, and it is the one to use for decisions at the edge: an overtime shift, a bonus, a side contract, or an RRSP contribution that removes income from the top.

A useful habit is to run the same scenario twice, once as things stand and once with the change you are considering, and compare the take-home figures. That captures everything at once, including CPP and EI ceilings and provincial surtaxes, which a single rate can miss.

Limits of any online tax calculator

These tools estimate tax for common situations. They do not replace your notice of assessment, and they do not know about personal credits such as tuition, medical expenses, donations, the disability amount or the spousal amount, or about pension income splitting. If your result matters for a decision, such as how much to set aside for a balance owing, add a margin and check it against certified tax software or the CRA's own Payroll Deductions Online Calculator, which covers every province except Quebec.