Rates updated for 2026

What you owe, what you keep: taxes, deductions & payments

Free tools and plain explanations for every province and territory. Work out what you keep, owe or pay, then find out how to file.

Where do you live?Rates and rules for your province are filled in for you in every calculator.

Next dateTax instalment due date, December 1543days left

CalculatePay, tax, mortgage and savings tools.UnderstandHow Canadian taxes work, in plain words.File your returnDocuments, deadlines and the steps.

Coming up43days leftNext date: tax instalment due date, December 15 (43 days).See the dates and rules

What's happening in your life?

Pick the one that fits and we'll show you where to start.

I got a job or a raiseSee what you keep from every paycheque.I'm buying a homeDown payment, closing costs and transfer tax.I hired a nanny or staffCPP, EI, vacation pay and what you remit.I work for myselfTax, CPP, instalments and GST.I'm retiringCPP, OAS, RRSP and what comes out.I had a babyCanada Child Benefit and child care costs.I'm new to CanadaYour first Canadian tax return.I'm filing my returnWhat to gather, deadlines and the steps.

Most used Canadian tax calculators

Free Canadian tax calculators for 2026: the questions people ask most, one from each area.

Mortgage

Mortgage Payment Calculator

Work out your mortgage payment, CMHC insurance premium, total interest and payoff time for a Canadian mortgage.

Savings, Interest and Budget

Interest Calculator (Simple & Savings)

Work out simple or compound interest on any amount.

Math and Business Tools

Percentage Calculator

Work out percentages, percentage change and add or subtract a percent.

Loans and Debt

Car Loan Calculator

Work out a car loan payment with sales tax, down payment and trade-in.

RRSP and Retirement

Retirement Savings Calculator

Project your savings at retirement and the monthly income they can pay, with CPP and OAS added.

Payroll and Salary

Payroll Deductions Calculator

Estimate the CPP, EI and income tax taken from each paycheque.

Show all 118 calculators

Pick your province

Provincial income tax rates and the sales tax where you live.

Ontario5.05% to 13.16%HST 13%Alberta8% to 15%GST only British Columbia5.6% to 20.5%GST and PST 7%Quebec14% to 25.75%GST and QST 9.975%Manitoba10.8% to 17.4%GST and RST 7%Saskatchewan10.5% to 14.5%GST and PST 6%Nova Scotia8.79% to 21%HST 14%New Brunswick9.4% to 19.5%HST 15%Newfoundland and Labrador8.7% to 21.8%HST 15%Prince Edward Island9.5% to 20%HST 15%Yukon6.4% to 15%GST only Northwest Territories5.9% to 14.05%GST only Nunavut4% to 11.5%GST only All provinces and territories

Numbers of the year

The limits and rates people look up most, each with its source.

$33,810RRSP dollar limitfor 2026

$7,000TFSA annual limitfor 2026

$74,600CPP maximum pensionable earningsfor 2026

33%Top federal rateabove $258,482

All limits and rates for 2026

Rates and markets

Official figures from the Bank of Canada, with the date of each one.

Live from the Bank of Canada checked 7 minutes ago

2.5%Bank of Canada policy rateAs of Oct 29

4.45%Prime rateAs of Oct 28

3.1%Inflation, year over year (CPI)As of Sep 1

$1.3960US dollar in Canadian dollarsAs of Oct 30

What these numbers mean

Explore

GuidesCalculators by topic

Guides that explain the rules behind the numbers.

How Canadian taxes work

Federal and provincial tax, credits, and how the two fit together.

File your return

Slips, deadlines and the steps from the first form to the refund.

GST, HST, PST and QST

Who charges what, when to register and how often to file.

Self-employed and small business

Income, expenses, instalments and sales tax for people who work for themselves.

RRSP, TFSA and retirement

Limits, deadlines and what comes out when you stop working.

Choosing a tax preparer

What a preparer does, what to ask, and when you can do it yourself. We don't offer this service.

Twelve groups, from pay and income tax to mortgages and savings.

Payroll and Salary 20
Take-home pay, payroll deductions, overtime, bonuses and severance for every province.
Income Tax 18
Federal and provincial income tax, refunds, marginal rates, capital gains and self-employment.
Sales Tax 5
GST, HST, PST and QST: add tax to a price or take it out again.
Property and Estate Tax 5
Land transfer tax, welcome tax, non-resident taxes and estate fees.
RRSP and Retirement 14
RRSP, TFSA, FHSA, CPP, OAS and retirement income.
Family and Benefits 5
Child benefit, groceries and essentials benefit, EI, leave pay, disability credit and support payments.
Business Tax 3
Payroll remittances, corporate tax and other tools for owners and employers.
Mortgage 15
Payments, amortization, renewal, penalties and mortgage insurance.
Real Estate 18
Closing costs, rent or buy, rental returns and home sale proceeds.
Loans and Debt 6
Car loans, personal loans, credit cards and lines of credit.
Savings, Interest and Budget 5
Compound interest, GICs, net worth and monthly budgets.
Math and Business Tools 4
Percentages, discounts, margins and return on investment.

How we check the numbers. We are an independent publisher, not the CRA. Figures come from official CRA and provincial tables first, every page shows the date it was checked, and when a 2026 figure is missing, the page says so instead of guessing. How we check rates Editorial team Updates Corrections

Last checked October 10, 2026. Independent publisher, not affiliated with the CRA or any government.

Common questions

Does anything I type leave my browser?

No. Every calculation runs in your browser, nothing is sent to us, and there is nothing to sign up for.

Who is behind this site?

Tax-Services.ca is an independent publisher. We write the guides and build the calculators, and the figures come from CRA, Revenu Québec and provincial pages that each calculator lists. The editorial team page says more.

Can you prepare or file my return?

No. We don't prepare or file returns, and we don't offer tax, legal or accounting services. The guide to choosing a tax preparer explains what to ask the people who do.

How current are the numbers?

Rates and limits are for 2026, and each calculator shows the date it was last checked. When a figure changes during the year, we update the tool and note the change.

What changed for 2026?

The lowest federal tax rate is 14%, the RRSP dollar limit is $33,810 and CPP earnings go up to $74,600. From July 2026 the GST/HST credit is paid as the Canada Groceries and Essentials Benefit. See the 2025 vs 2026 comparison and all 2026 rates and limits.

Which provinces and territories do you cover?

All 13. Each province and territory has its own page with income tax brackets and sales tax, and the calculators switch to your province once you pick it. Quebec follows its own income tax, pension and parental insurance rules.

Are the calculators free?

Yes. They are free, need no account and no email, and every calculator shows the steps behind its answer.

Are the results exact?

They are estimates for planning. Your notice of assessment from the CRA is what counts. Credits and deductions that depend on your whole situation may be missing, and each calculator says what it leaves out.

Tax-Services.ca is a free information site about Canadian taxes, written for anyone who lives or works in Canada, in every province and territory. It explains income tax, CPP, EI, GST/HST, RRSPs, mortgages and family benefits in plain language and has 118 free calculators for the 2026 tax year. It is information only: we offer no services, prepare no returns and do not represent the CRA.

What will you find on Tax-Services.ca?

Taxes in Canada come in several pieces: what comes off your paycheque, what you owe come April, what you pay when you buy a house or sell the cottage, and what lands in your account as a credit or a benefit. The site covers each piece, province by province, so you can see what you owe, what you keep and why.

A good place to start is our guides on income tax, CPP, EI, GST/HST, RRSPs and the rest. The province pages cover what changes where you live, and the life event pages follow you through a first job, a new baby, a move or retirement. To keep on top of deadlines and paperwork, use the checklists and the tax calendar. If a SIN, a business number or a word the taxman likes to use has you stuck, try tax numbers, the glossary and the latest tax news.

When you would rather see your own numbers, the site has 118 calculators in 12 topic hubs, including pay and payroll, income tax, sales tax, mortgages and family benefits. Each one shows the steps behind its answer. More than 1,500 articles explain the rules those calculators use.

Who is Tax-Services.ca for?

The site is for people in Canada who want to understand a tax rule before they act on it: employees checking their take-home pay, self-employed workers sorting out instalments and CPP, newcomers facing a first Canadian return (see new to Canada), students, parents, home buyers and retirees. Not sure where to begin? Take the tax situation quiz, use the calculator picker or try the benefits finder.

Where do our numbers come from?

Federal and provincial rates, thresholds and limits come from official sources, and we check them against the published 2026 tables: the Canada Revenue Agency, Finance Canada, Employment and Social Development Canada, Revenu Québec and each provincial government. Quebec runs its own income tax, pension and parental leave rules, so the pages switch to those when they apply. If a rule has more than one version, we tell you which one we are using. The rate checking page explains the method.

Treat every figure as an estimate. It is handy for planning, comparing options and getting ready to talk to your employer, lender or accountant. We do not offer tax preparation services, we do not file anything for you, and we are not the Canada Revenue Agency, so nothing here replaces an assessment from the CRA or advice from someone who knows your whole situation. We cannot guarantee that every figure is current or error-free, and we accept no liability for decisions made from this site. Check the official source before you rely on a number. See the full disclaimer.

Is anything you type sent anywhere?

No. Every calculation runs in your browser, so the numbers you type stay with you, and there is nothing to sign up for. The site does collect basic visit statistics and uses ad cookies, which the privacy policy explains. Want to keep a result? The print button on each calculator makes a one-page summary.

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