Canada Income Tax Calculator 2026

Canada uses a dual federal-provincial income tax system. Federal tax rates range from 15% to 33% with a basic personal amount of $16,129. Ontario provincial rates range from 5.05% to 13.16% with an additional surtax on higher provincial tax.

CPP contributions (5.95% employee share) apply on earnings between $3,500 and $71,300. CPP2 (4%) applies on earnings between $71,300 and $81,900. EI premiums are 1.64% on insurable earnings up to $65,700.

Both federal and provincial governments provide non-refundable tax credits based on personal amounts, effectively making the first portion of income tax-free.