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.
What's happening in your life?
Pick the one that fits and we'll show you where to start.
Most used calculators
The questions people ask most, one from each area.
Mortgage Payment Calculator
Work out your mortgage payment, CMHC insurance premium, total interest and payoff time for a Canadian mortgage.
Interest Calculator (Simple & Savings)
Work out simple or compound interest on any amount.
Percentage Calculator
Work out percentages, percentage change and add or subtract a percent.
Car Loan Calculator
Work out a car loan payment with sales tax, down payment and trade-in.
Retirement Savings Calculator
Project your savings at retirement and the monthly income they can pay, with CPP and OAS added.
Payroll Deductions Calculator
Estimate the CPP, EI and income tax taken from each paycheque.
Pick your province
Provincial income tax rates and the sales tax where you live.
Numbers of the year
The limits and rates people look up most, each with its source.
Rates and markets
Official figures from the Bank of Canada, with the date of each one.
Live from the Bank of Canada
Explore
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 13
Take-home pay, payroll deductions, overtime, bonuses and severance for every province.
- Income Tax 9
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 9
RRSP, TFSA, FHSA, CPP, OAS and retirement income.
- Family and Benefits 5
Child benefit, GST/HST credit, EI, leave pay, disability credit and support payments.
- Business Tax 2
Payroll remittances, corporate tax and other tools for owners and employers.
- Mortgage 14
Payments, amortization, renewal, penalties and mortgage insurance.
- Real Estate 17
Closing costs, rent or buy, rental returns and home sale proceeds.
- Loans and Debt 4
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
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.
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.
About this site and where the numbers come from
What will you find here?
Taxes in Canada aren’t one thing. There’s what comes off your paycheque, what you owe come April, what you pay when you buy a house or sell the cottage, and what shows up in your account as a credit or a benefit. This site explains all of it in plain English, 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. Need to keep on top of things? Use the checklists and the tax calendar. Stuck on a SIN, a business number or a word the taxman likes to use? Try tax numbers, the glossary and the latest tax news.
When you’d rather see your own numbers, there are more than 90 calculators for pay and payroll, income tax, sales tax, mortgages, family benefits and more. Each one shows the steps behind the answer.
Where do the numbers come from?
Federal and provincial rates, thresholds and limits come from official sources, and we check them against the published 2026 tables. 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’re using.
Treat every figure as an estimate. It’s handy for planning, comparing options and getting ready to talk to your employer, lender or accountant. We don’t offer tax preparation services, we don’t file anything for you, and we’re not the Canada Revenue Agency, so nothing here replaces an assessment from the CRA or advice from someone who knows your whole situation.
Does anything get sent anywhere?
No. Every calculation runs in your browser, so the numbers you type stay with you, and there’s nothing to sign up for. Want to keep a result? The print button on each calculator makes a one-page summary.