Estimate federal and provincial income tax, payroll contributions, after-tax income, and how RRSP or FHSA deductions could affect your tax bill.
2026 tax rates • All provinces & territories
Use the province where you expect to be resident on December 31, 2026.
Enter the RRSP amount you expect to deduct on your 2026 return, not necessarily every contribution made.
Useful for estimating a potential refund or balance owing.
This version treats this as fully taxable ordinary income. Capital gains and Canadian dividends are not included in v1 because they have different tax treatment.
What this version is designed for: a planning estimate for a typical employee with employment income, RRSP/FHSA deductions and optional ordinary taxable income. It is not a full tax-return preparation engine.
Your 2026 tax estimate
Estimated after-tax income
$0
Estimated income tax$0
CPP/QPP + EI/QPIP$0
Average tax rate0%
Marginal tax rate0%
Tax breakdown
Total income entered$0
RRSP deduction$0
FHSA deduction$0
Estimated taxable income$0
Federal income tax$0
Provincial income tax$0
Provincial additions$0
Total estimated income tax$0
Payroll contributions
CPP / QPP$0
CPP2 / QPP2$0
Employment Insurance$0
Quebec Parental Insurance Plan$0
Total payroll contributions$0
Refund / balance estimate
Income tax already deducted / paid$0
Estimated income tax liability$0
Estimated difference$0
What could another RRSP contribution change?
Enter an additional RRSP deduction to compare your estimated income tax before and after the deduction. This assumes you have enough RRSP deduction room.
Current tax estimate$0
Tax after extra RRSP$0
Estimated tax reduction$0
Want to turn the tax estimate into a planning strategy?
We can review how RRSP, FHSA and TFSA decisions fit your income, goals and overall financial plan.
Educational estimate only; not tax, accounting, legal or investment advice. This calculator is simplified and does not include every deduction, credit, benefit, pension adjustment, dividend tax credit, capital-gains rule, spouse/dependant credit or special tax situation. Payroll and income-tax results may differ from your actual return. Verify decisions with CRA/Revenu Québec and a qualified tax professional.
