Canada Income Tax Calculator

See your real take-home pay after federal tax, provincial tax, CPP, and EI in any province. A $60,000 salary nets $3,904/month in Ontario, $3,874 in Alberta, or $3,620 in Quebec — provincial tax alone shifts monthly pay by hundreds of dollars.

Annual gross salary ($)

Province / territory

$3,904

Monthly take-home

$1,802

Bi-weekly take-home

$46,843

Annual take-home

Annual deductions:

Federal tax: $6,193
Ontario tax: $2,625
CPP: $3,362
EI: $978

2026 federal and provincial/territorial brackets, plus CPP (5.95% to the $74,600 YMPE, plus CPP2 at 4% up to $85,000) and EI (1.63% up to $68,900). Quebec residents actually pay QPP and QPIP instead of CPP/EI and receive a federal abatement — the Quebec figures here are an approximation, not the QPP/QPIP calculation. The federal Basic Personal Amount's phase-out above $181,440 isn't modeled. Not tax advice — confirm with the CRA or a tax professional.

Income tax calculator by province

Full take-home breakdowns for each province and territory, 2026 rates.

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Why use Canada Income Tax Calculator?

Canadian income tax is federal tax plus provincial or territorial tax, calculated separately against two different bracket tables, then added together — on top of CPP and EI payroll deductions that apply regardless of province (except Quebec, which runs its own QPP and QPIP). This calculator implements the actual 2026 bracket tables for the federal government and all 13 provinces and territories, so a $60,000 salary correctly shows different take-home pay in Ontario ($3,904/month) versus Alberta ($3,874) versus Quebec ($3,620) — the gap is entirely the provincial side, since federal tax and CPP/EI are identical everywhere. Two mechanics catch people off guard. First, CPP2: since 2024, earnings between $74,600 and $85,000 face an additional 4% CPP contribution on top of the standard 5.95%, so someone earning $90,000 pays noticeably more CPP than the "5.95%" headline rate suggests. Second, Ontario's surtax: it's not a separate bracket but a percentage add-on to the provincial tax bill itself once that bill crosses $5,818, which is why Ontario's effective marginal rate at higher incomes runs above its stated top bracket of 13.16%. Each province's page below carries a salary table and province-specific FAQs computed from these exact rates.

Key benefits

2026 federal and all 13 provincial/territorial brackets
CPP (including CPP2) and EI included automatically
Ontario surtax handled correctly
One page per province with salary examples and FAQs
Runs entirely in your browser

Features

Federal brackets: 14/20.5/26/29/33%
13 provincial/territorial bracket tables
CPP: 5.95% to $74,600 YMPE + CPP2 4% to $85,000
EI: 1.63% to $68,900
Ontario 20%/36% surtax on provincial tax

Popular use cases

Comparing a job offer's real take-home across provinces
Budgeting after a raise or relocation
Checking how much CPP2 adds at higher incomes
Understanding why two provinces tax the same salary differently

How to use Canada Income Tax Calculator

1
Enter your salary
Annual gross salary in dollars.
2
Pick your province or territory
All 13 are supported — tax rates and the basic personal amount both vary by province.
3
Read your take-home
Monthly, bi-weekly, and annual net pay, with federal tax, provincial tax, CPP, and EI shown separately.

Frequently asked questions

How much is $60,000 after tax in Ontario?

$46,848 a year, or $3,904 a month, for 2026 — after $6,193 federal tax, $2,625 Ontario provincial tax, $3,362 CPP, and $978 EI.

Which province has the lowest income tax?

Alberta has the lowest provincial rates (8% to 15%) and the highest basic personal amount ($22,769), making it the lowest-tax province for most salary levels. Nunavut and the territories also have notably low rates, though CPP/EI and cost of living differ.

What is CPP2?

A second-tier CPP contribution introduced in 2024: 4% on earnings between the $74,600 Year's Maximum Pensionable Earnings (YMPE) and the $85,000 Year's Additional Maximum Pensionable Earnings (YAMPE). It only affects earners above $74,600 — someone earning $60,000 pays no CPP2.

Does this work for Quebec?

Quebec residents actually pay QPP and QPIP instead of CPP and EI, at different rates, and receive a federal tax abatement that reduces federal tax owed. This calculator applies Quebec's own income tax brackets but doesn't model QPP/QPIP or the abatement, so treat the Quebec result as an approximation rather than an exact figure.

Why does Ontario have a surtax?

Ontario adds a surtax on top of provincial tax once that tax exceeds $5,818 (20% surtax) and again above $7,446 (an additional 36%). It affects income roughly above $95,000 for someone claiming only the basic personal amount, and is why Ontario's effective top rate is higher than its listed 13.16% top bracket suggests.

Last reviewed: August 2026

Income tax calculator by province

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