Canada calculators — income tax, take-home pay, RRSP, TFSA, FHSA, CPP, mortgage stress test, land transfer tax
20 free tools. Every one runs in your browser; nothing is uploaded.
These calculators use the 2026 figures published by the Canada Revenue Agency and related bodies: the federal brackets (14% to 33%) and $16,452 basic personal amount, every province's 2026 brackets and credits including the Ontario surtax and Health Premium and the Quebec abatement, CPP at 5.95% to $74,600 with CPP2 to $85,000, EI at 1.63% to $68,900, the $33,810 RRSP and $7,000 TFSA limits, the stress-test qualifying rate (contract rate + 2% or 5.25%), CMHC premium bands, Ontario and Toronto land transfer tax including the graduated rates above $3 million from April 2026, and the $95,323 OAS recovery threshold. Each page shows the date its figures were checked and links to its source.
They estimate rather than file: credits beyond the basic, employment and CPP/EI amounts, Quebec's separate return, lender-specific policies and municipal variations are noted on each page but not modelled in full. Nothing here is tax, legal or financial advice.
Federal and provincial income tax for 2026 in every province and territory, with CPP/CPP2 and EI, the Ontario surtax and Health Premium, Quebec abatement, average and marginal rates, after-tax income and your likely refund.
Canadian income tax for 2026 is federal (14% to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, 33% above, after the $16,452 basic personal amount) plus provincial tax at each province's brackets — on $90,000 in Ontario that is about $17,000 of income tax (18.8%) plus $5,770 of CPP and EI, leaving $67,300; the combined top marginal rate runs from 44% in Alberta to 53.5% in Ontario and 54.8% in Newfoundland.
Tax on selling stocks, crypto, a rental property or cottage at the 50% inclusion rate stacked on your income in every province, with the principal residence exemption, losses, CCA recapture, the lifetime exemption and the saving from splitting a sale across years.
Half of a capital gain is added to income and taxed at your marginal rate in Canada (the proposed two-thirds inclusion rate was cancelled in March 2025), so the effective rate on a gain tops out at about 26.8% in Ontario; a $220,000 gain on a rental condo stacked on $110,000 of Ontario income costs about $49,800, while a principal residence is exempt and the lifetime exemption shelters $1.25 million of qualified small-business or farm gains.
Add or extract sales tax for every province — 13% Ontario HST, 15% Atlantic, 14% Nova Scotia, 5% GST + PST/QST elsewhere — with a quarterly net-tax estimate for businesses and the $30,000 registration check.
Canadian sales tax is 5% GST federally, combined into a 13% HST in Ontario, 14% in Nova Scotia and 15% in New Brunswick, Newfoundland and PEI, with separate provincial taxes in BC (7%), Manitoba (7%), Saskatchewan (6%) and Quebec (9.975% QST), and GST only in Alberta and the territories; $1,000 before tax is $1,130 in Ontario, $1,120 in BC and $1,050 in Alberta. Businesses must register once taxable revenue exceeds $30,000.
Tax on eligible and non-eligible dividends in every province for 2026 after the gross-up and dividend tax credits, the marginal rate on the next dividend versus interest, after-tax income and the effect on OAS and benefit income tests.
Canadian eligible dividends are grossed up by 38% and non-eligible by 15%, then credited at 15.02% / 9.03% federally plus a provincial credit (10% / 2.99% in Ontario), so $10,000 of eligible dividends on top of $70,000 of Ontario income costs about $900 of tax versus $3,115 for the same interest; top marginal rates in Ontario are 39.34% on eligible dividends against 53.53% on interest.
Net pay per paycheque, month and year for every province after federal and provincial tax, CPP/CPP2 and EI for 2026, with RRSP-at-source savings, hourly net rate and the employer's total cost.
A $75,000 salary in Canada takes home about $57,000 a year in Ontario or $56,200 in BC in 2026 — roughly $2,190 bi-weekly — after federal and provincial tax, CPP (5.95% to $74,600 plus CPP2 4% to $85,000) and EI (1.63% to $68,900); deductions total 24–27% of gross for most salaries and fall later in the year once CPP and EI max out.
ESA minimum termination pay (1 week per year, max 8) and statutory severance (1 week per year, max 26, for 5+ years at a $2.5m-payroll employer), an estimate of common-law reasonable notice by age, service and role, tax on a lump sum and how EI interacts.
Ontario's Employment Standards Act minimum is termination pay of one week per completed year (maximum 8 weeks) plus statutory severance of one week per year (maximum 26) for employees with 5+ years at an employer with a $2.5 million payroll — about $23,400 for a $85,000 employee with 7 years — while common-law reasonable notice, which applies unless a valid clause limits you to the ESA, is typically close to a month per year of service up to a 24-month ceiling.
Your weekly Employment Insurance payment (55% of insurable earnings, max $728 in 2026), estimated weeks of benefits from hours and regional unemployment, the effect of severance, working while on claim, tax withheld and the claim timeline — regular, sickness, maternity and parental.
Employment Insurance pays 55% of average weekly insurable earnings up to a 2026 maximum of $728 a week (on earnings of $68,900), for 14 to 45 weeks depending on insurable hours and the regional unemployment rate, after a one-week wait and after any severance has been used up; benefits are taxable and reduced by 50 cents per dollar earned while on claim.
Statutory vacation pay of 4%, 6% or 8% (Saskatchewan 3/52 and 4/52) of gross wages by province and years of service, vacation time entitlement, pay already taken, the balance owing on termination and the tax on a lump-sum payout.
Vacation pay in Canada is at least 4% of gross wages (two weeks), rising to 6% (three weeks) after five years of service in Ontario, BC, Alberta and Manitoba, three in Quebec, eight in the Maritimes and fifteen in Newfoundland — Saskatchewan pays 3/52 then 4/52 after ten years and federal employers 4%, 6% and 8% — and all accrued vacation pay is owed with the final pay on termination.
Tax saved by an RRSP contribution at your province's marginal rate, your 2026 contribution room (18% of earned income to $33,810), over-contribution check, growth to retirement, tax on withdrawal and whether an RRSP or TFSA wins.
An RRSP contribution is deducted from taxable income, saving tax at your marginal rate — about 30% at $90,000 in Ontario, so $10,000 contributed returns roughly $2,970 — and the 2026 limit is 18% of 2025 earned income up to $33,810 plus unused room; contributions by 2 March 2027 count for 2026, and the Home Buyers' Plan allows a $60,000 tax-free withdrawal for a first home.
Your TFSA contribution room from the year you turned 18 ($109,000 cumulative since 2009), room restored by withdrawals, over-contribution check, projected tax-free growth from monthly contributions and the tax you avoid versus a taxable account.
The TFSA limit for 2026 is $7,000, bringing cumulative room to $109,000 for anyone eligible since 2009; growth and withdrawals are tax-free, withdrawn amounts are added back to room on 1 January of the next year, and over-contributions are taxed at 1% a month. $55,000 plus $500 a month at 6% grows to about $403,000 in 20 years with no tax on the $228,000 of growth.
How much Old Age Security you lose above the $95,323 recovery threshold for 2026, the income where it is fully clawed back, your effective marginal rate in the zone, and what drawing from a TFSA, splitting pension income or deferring OAS would save.
Old Age Security is reduced by 15% of net income above $95,323 for the 2026 tax year (recovered from July 2027 to June 2028) and is fully clawed back at about $154,700 for ages 65–74; at $120,000 of income a retiree loses about $3,700 of the $8,900 pension. TFSA withdrawals do not count, pension income splitting and deferring OAS to 70 (a 36% increase) reduce the clawback.
Your estimated monthly CPP at 60, 65 or 70 from average earnings and contributory years (or your Service Canada estimate), the lifetime total at each start age, break-even ages for deferring and the combined amount with OAS.
The maximum CPP retirement pension is $1,507.65 a month at 65 in 2026 (about $858 on average), permanently reduced by 0.6% for each month taken before 65 — 36% at 60 — and increased 0.7% for each month after, to 42% at 70; someone averaging $65,000 with 35 contributory years gets about $1,180 at 65, and waiting from 60 to 65 pays off for anyone living past roughly 74–75.
Monthly and annual Canada Child Benefit for July 2026 – June 2027 from your children's ages and family net income, the 7–23% and 3.2–9.5% phase-outs, the child disability benefit, shared custody, the income where CCB ends and how an RRSP contribution raises it.
The Canada Child Benefit for July 2026 – June 2027 pays up to $8,157 a year per child under 6 and $6,883 per child aged 6–17, tax-free, reduced by 7% to 23% of family net income above $38,237 and by a fixed amount plus 3.2% to 9.5% above $82,847; a family with one child under 6 and one older child at $95,000 receives about $694 a month, and the benefit ends around $241,000.
Car loan payment per month, bi-week or week with sales tax by province (HST, GST + PST/QST, BC luxury bands), trade-in tax savings, dealer fees, total interest at 36–96 months, a negative-equity check and the federal luxury tax.
A Canadian car loan is calculated on the price plus dealer fees plus provincial sales tax (13% HST in Ontario, 12% in BC, 14.975% in Quebec, 5% in Alberta) minus the trade-in and down payment — the trade-in also reduces the tax; a $42,000 car in Ontario with a $10,000 trade-in and $3,000 down at 6.99% over 72 months costs about $608 a month and $8,100 of interest, and 84-month terms leave most buyers in negative equity for years.
Your child's education fund from annual RESP contributions, the 20% Canada Education Savings Grant (to $7,200), additional CESG and Canada Learning Bond for lower incomes, tax-sheltered growth, the inflated cost of a program and the contribution needed to cover it.
An RESP earns the 20% Canada Education Savings Grant on the first $2,500 contributed each year ($500, to a $7,200 lifetime maximum) plus tax-sheltered growth; $2,500 a year from age 2 at 5% builds about $74,000 by 18, covering roughly half of a four-year program that will cost about $134,000 — contributions come back tax-free and grants and growth are taxed to the student.
The RRIF minimum withdrawal percentage for your age (or a younger spouse's), the dollar minimum, withholding on extra withdrawals, income tax in your province, the OAS clawback effect, projected minimums and balance over 20 years and the saving from pension income splitting.
A RRIF must pay out a minimum each year from the year after conversion (due by the end of the year you turn 71): 5.28% of the 1 January balance at 71, 5.40% at 72, 6.82% at 80, 8.51% at 85 and 20% from 95 (1 ÷ (90 − age) before 71), with no withholding on the minimum and 10–30% withheld on extra amounts; $600,000 at 71 means a $31,680 minimum, or $25,000 using a 66-year-old spouse's age.
The maximum home price and mortgage your income supports under the 2026 stress test (contract rate + 2% or 5.25%), GDS 39% / TDS 44%, minimum down payment and CMHC premium rules, with your real monthly payment and housing cost.
Canadian lenders qualify you at the greater of your contract rate plus 2% or 5.25% and cap housing costs at 39% of gross income (GDS) and all debts at 44% (TDS) for insured mortgages; a $140,000 household with $60,000 down at a 4.4% rate qualifies for a home of about $643,000 over 25 years, with a 4% CMHC premium added to the loan. Minimum down payment is 5% to $500,000 and 10% to the $1.5 million insured cap.
Land transfer tax for 2026 in Ontario and Toronto (including the new graduated rates above $3 million), BC property transfer tax, Quebec welcome tax, Manitoba and the Atlantic provinces, with first-time buyer rebates, foreign-buyer surcharges and a cross-province comparison.
Ontario land transfer tax is 0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2 million and 2.5% above, and Toronto charges the same again plus graduated rates of 4.4%–8.6% over $3 million from 1 April 2026 — $14,475 provincial on a $900,000 home, $28,950 in Toronto, less $4,000 and $4,475 first-time buyer rebates. BC charges 1% to $200,000, 2% to $2 million and 3% above; Alberta and Saskatchewan charge only registration fees.
The tax-free down payment you can build from $8,000-a-year FHSA contributions ($40,000 lifetime), the refunds at your province's marginal rate, tax-free growth, the RRSP Home Buyers' Plan on top, a couple's combined total and the home price it supports.
The First Home Savings Account lets a first-time buyer contribute $8,000 a year ($40,000 lifetime) with an RRSP-style deduction and TFSA-style tax-free withdrawal for a home; five years of maximum contributions at $85,000 of Ontario income produce about $11,900 of refunds and roughly $46,400 of tax-free down payment at 5% growth, combinable with the $60,000 RRSP Home Buyers' Plan and a partner's accounts.
Canadian mortgage payments with semi-annual compounding — monthly, bi-weekly and accelerated — plus CMHC premium, interest over the term, balance at renewal, payoff time with prepayments, the stress-test payment, renewal-rate shock and an estimate of the penalty to break the mortgage.
Canadian fixed-rate mortgages compound semi-annually, so $500,000 at 4.29% over 25 years costs $2,709 a month; a $750,000 home with 10% down carries a 3.1% CMHC premium and a $3,771 monthly or $1,885 accelerated bi-weekly payment, which clears the loan about three years early, and breaking a fixed term costs the greater of three months' interest and the interest rate differential.
Not tax or legal advice.
These calculators give estimates from published rules. Each page states its assumptions and the date its figures were last checked. Confirm with a qualified professional before relying on a figure for a real transaction.