Home → Income Tax Calculator Canada
See your after-tax income — federal plus provincial tax only, no CPP or EI — for any province and income level. Use this to isolate just the income tax portion of your paycheque.
+ Advanced options (overtime, bonus)
Independent estimate based on 2026 CRA federal/provincial payroll formulas, Revenu Québec figures, and published CPP/CPP2/QPP/QPP2, EI and QPIP rates. Not affiliated with the Canada Revenue Agency or the Government of Canada. Actual payroll may differ based on your employer’s specific deductions, benefits, TD1 claim amounts, and other factors. This tool does not constitute tax or financial advice.
The calculator above shows your full paycheque breakdown including CPP and EI. The “Federal tax” and “Provincial tax” rows are your income tax; ignore the CPP/EI rows if you only want the income tax figure.
How Canadian income tax works
Canada uses a progressive, two-layer tax system: federal tax (the same brackets nationwide) plus provincial or territorial tax (rates set independently by each province). Both use a marginal-bracket structure — you don’t pay one flat rate on your whole income; each portion of your income is taxed at the rate for the bracket it falls into.
Marginal vs. effective tax rate
Your marginal rate is the rate applied to your next dollar of income — useful for understanding the tax impact of a raise or bonus. Your effective rate is your total tax divided by your total income — always lower than your marginal rate, since it blends in the lower rates applied to your earlier brackets.
After-tax income by salary level (Ontario example)
- $50,000 gross — $6,566 total tax (13.1% effective) — $43,434 after-tax
- $75,000 gross — $13,265 total tax (17.7% effective) — $61,735 after-tax
- $100,000 gross — $20,771 total tax (20.8% effective) — $79,229 after-tax
Notice the effective rate rises with income — that’s the progressive system at work. These figures exclude CPP and EI; use the calculator above for your full paycheque picture.
Gross income vs. taxable income
Your taxable income isn’t always the same as your gross salary — RRSP contributions, union dues, and certain other deductions reduce taxable income before tax brackets apply. This calculator assumes taxable income equals your gross salary (no additional deductions), which is accurate for most straightforward paycheques.
Frequently asked questions
What’s the difference between this and the paycheck calculator?
They use the same underlying engine. This page frames the result around income tax and after-tax income specifically; the paycheck calculator shows the full picture including CPP and EI.
Why is my marginal rate higher than my effective rate?
Because only the portion of your income within the top bracket is taxed at that top rate — all your income below that threshold is taxed at lower rates. Your effective rate blends all of these together, so it’s always lower than your marginal (top) rate.
Related calculators
Canada Paycheck Calculator · Payroll Deductions Calculator · Annual Salary Calculator