Annual deductions:
- Federal tax: $6,193
- New Brunswick tax: $4,708
- 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.
How much income tax do you pay in New Brunswick?
On a $60,000 salary in New Brunswick, combined federal and provincial income tax is $10,901 for 2026 - $6,193 federal and $4,708 provincial. After $4,340 of CPP and EI, take-home pay is $3,730 a month, or $1,722 every two weeks, keeping 74.6% of gross pay.
How do you get a tax refund in New Brunswick?
A refund is not extra money - it is the difference between the tax withheld from your pay all year and the tax you actually owed. If your employer withheld more than the $10,901 owed on a $60,000 salary, the excess comes back when you file. Withhold too little and you owe instead.
What increases your refund the most?
RRSP contributions are the largest lever for most people: a contribution reduces taxable income directly, so it is refunded at your marginal rate rather than the lowest one. Tuition, medical expenses above the threshold, childcare, and donation credits also reduce tax owed and therefore raise any refund.
New Brunswick tax refund: how it works
A tax refund is not a bonus. It is the gap between what your employer withheld from every paycheque and what you genuinely owed once the year closed. This calculator gives you the second number - the tax actually owed on your income in New Brunswick. Compare it against the total shown in box 22 of your T4, and the difference is your refund or your balance owing.
The most effective way to increase a refund is to reduce taxable income before the year ends. An RRSP contribution does exactly that, and it is refunded at your marginal rate - the rate on your last dollar earned, not your average. A TFSA works the opposite way: contributions are not deductible, so they never affect a refund, but growth and withdrawals are tax-free.
New Brunswick take-home pay by salary
| Salary | Total tax | CPP + EI | Monthly take-home |
|---|---|---|---|
| $40,000 | $5,773 | $2,824 | $2,617 |
| $60,000 | $10,901 | $4,340 | $3,730 |
| $80,000 | $17,801 | $5,569 | $4,719 |
| $100,000 | $24,701 | $5,769 | $5,794 |
| $150,000 | $44,670 | $5,769 | $8,297 |
New Brunswick provincial tax brackets for 2026
New Brunswick taxes income in 4 provincial brackets, from 9.40% on the first dollars up to 19.50% on taxable income above $193,861. These apply on top of the federal brackets, and the provincial basic personal amount of $13,664 is the 9th highest of the 13 provinces and territories.
| Taxable income | New Brunswick rate |
|---|---|
| $0 to $52,333 | 9.40% |
| $52,333 to $104,666 | 14% |
| $104,666 to $193,861 | 16% |
| Over $193,861 | 19.50% |
How New Brunswick compares
On a $60,000 salary, New Brunswick ranks 8th of 13 for take-home pay, at $44,759 a year. Nunavut leaves the most, $2,969 a year more than New Brunswick, while Quebec leaves the least at $43,438. Federal tax, CPP and EI are the same in every province outside Quebec, so the gap comes from provincial tax: $4,708 here against $1,740 in Nunavut.
Frequently asked questions
$10,901 in combined federal and provincial income tax for the year - $6,193 federal and $4,708 provincial. After CPP and EI, take-home is $3,730 a month.
$13,664 for 2026 - the income you can earn before paying New Brunswick provincial tax. The federal Basic Personal Amount is separate, at $16,452.
The top New Brunswick provincial bracket is 19.50%, combined with the federal top rate of 33% on income above $258,482 - plus CPP and EI on the portions still within their limits.
Yes - CPP (5.95% to the $74,600 limit, plus CPP2 at 4% to $85,000) and EI (1.63% to $68,900) are both deducted before the take-home figure.
Other provinces
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Reviewed by Raja Jahangir · Last reviewed: October 2026