This tool is designed for Canadian tax and account rules.
Calculate income tax by province and type of income. This calculator allows you to estimate federal and provincial income tax, calculate average and marginal income tax rates, estimate how much income tax you owe or your tax refund, see how deductions affect your taxable income and tax rate, and calculate your after-tax income (take-home pay).
It supports employment income, business income, dividends, capital gains, CPP and EI contributions, and common deductions. Optional household inputs estimate major federal income-tested benefits (GST/HST credit / Canada Groceries and Essentials Benefit, Canada workers benefit, and Canada child benefit) so you can see how a deduction can change both tax and benefits.
No opinions. No hidden assumptions. Just arithmetic.
Important Note:
These calculations are before many individual items you may be eligible to claim. Amounts that reduce taxable income (for example childcare, moving expenses, union dues, or employment expenses) belong in the deduction field below. Medical expenses, charitable donations, and tuition are generally tax credits, not deductions from income, and should not be entered there.
This calculator cannot determine which deductions apply to you. If you have an estimate of your total deductions, you may include it below to see the impact on the results. Always confirm final numbers with your accountant or tax professional.
Used only for federal income-tested benefits (GST/HST credit / Canada Groceries and Essentials Benefit, Canada workers benefit, Canada child benefit). Income tax above does not change when these fields are blank.
Child ages at the start of the benefit payment period (affects Canada child benefit under-6 vs 6–17 rates).
Total Income
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Taxable Income
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Total Tax Burden
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Income tax + CPP + EI
Tax balance (income tax)
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(Federal income tax + provincial or territorial income tax) − income tax already paid (the field above). CPP and EI are not included; see Total tax burden for income tax plus CPP and EI.
Federal Income Tax
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Provincial / Territorial Income Tax
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CPP Contributions
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EI Contributions
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Total Take-Home Pay
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Total income minus federal and provincial income tax, CPP, and EI
Average Tax Rate
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Marginal Tax Rate
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Income-tax marginal rate only (does not include income-tested benefits)
Income-tested benefits (estimated annual entitlement)
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Generated by this tax year’s income; CCB and GST/HST credit / CGEB are paid in the following July–June benefit year. CWB is a refundable credit for this tax year.
Canada Groceries and Essentials Benefit (GST/HST credit)
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Canada workers benefit (basic)
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Refundable tax credit (line 45300). Disability supplement not included. QC / AB / NU not modeled.
Canada child benefit
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After-tax income including estimated benefits
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After-tax income (income tax only) + estimated benefit entitlement. Not a cash flow for a single calendar year.
Effective marginal impact of a $1,000 income reduction
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Income tax saved and additional benefits from lowering net income by $1,000 (e.g. RRSP/FHSA-style deduction), using the full tax + benefit engines.
Your RRSP contribution limit is generally 18% of your prior-year earned income, up to an annual maximum set by the CRA, plus any unused room carried forward (and adjusted for pension contributions).
For the 2026 tax year, the annual RRSP deduction limit for earned income is capped at $33,810 (the dollar maximum on new RRSP room arising from the prior year’s income).
Your exact available contribution room appears on your CRA Notice of Assessment.
This calculator accepts an RRSP deduction input; it does not compute contribution room; it does not model CRA penalties or over-contribution rules.
This calculator models federal/provincial brackets, common credits, and payroll contributions. It does not include every possible credit/deduction/special rule.
Examples of items not included: medical expenses, tuition credits, charitable donations, pension adjustments, prior-year losses, and CRA-specific rounding methods.
No. This calculator provides arithmetic only. No recommendations. Educational/comparative use.
Disclaimer: All content on The Long Math — including articles, essays, calculators, tools, or any other material — is provided solely for educational and informational purposes and does not constitute financial, tax, legal, or investment advice. Any results or projections are based on simplified models, assumptions, and user-supplied inputs and may not reflect real-world outcomes. You are responsible for evaluating the accuracy and applicability of the information provided and for conducting your own due diligence. Before making financial decisions, consult a qualified professional.