Canadian income tax comes in two layers. You pay a federal amount plus a provincial or territorial one, and each has its own brackets and credits. Quebec residents file a separate provincial return, so the numbers fit together a little differently there.
Want the general picture for the year? Start with the income tax calculator. It combines both layers for any province and shows your tax, your average rate and what’s left. It doesn’t ask for much.
Which tool for which situation?
- Tax Deductions and Credits Calculator
See how much tax an RRSP deduction, medical costs, donations, tuition and federal credits can save.
- Canadian Income Tax Calculator
Estimate federal and provincial income tax for 2026 in every province, with dividends and capital gains.
- Tax Refund Calculator
Estimate your refund or balance owing from your income and the tax already withheld.
- Marginal Tax Rate Calculator
See the tax on your next dollar of pay, interest, capital gains and dividends.
- Capital Gains Tax Calculator
Estimate the tax on selling an investment or property, with half of the gain added to income.
- Self-Employed Tax Calculator
Estimate income tax and CPP or QPP for a sole proprietor or freelancer in any province.
- Dividend Tax Calculator
Estimate the tax on eligible and other dividends after the gross-up and dividend tax credit.
- Rental Income Tax Calculator
Estimate the extra tax on net rental income added to your other income.
- Tax Instalments Calculator
Check whether you must pay tax instalments and split the year into four payments with due dates.
Two figures matter when you’re deciding something. One is the average rate on all your income, and the other is the marginal rate on the next dollar, which is the one that tells you whether extra work or an RRSP deduction is really worth the trouble. The marginal tax rate calculator gives you the second one, which is handy before you take a raise, a side job or an RRSP deduction.
Around filing time, the tax refund calculator sets the tax already withheld against the tax you owe. The deductions and credits calculator shows what each credit or deduction is worth in your province.
Is all income taxed the same way?
No.
Half of every capital gain enters your income, as the capital gains tax calculator explains. Eligible and ordinary dividends get a gross-up and a credit, and the dividend tax calculator works through both. Rental profit follows its own rules, which the rental income tax calculator applies.
Self-employed? You carry both the employee and employer parts of CPP and nobody withholds tax for you, so the bill can land hard, and it doesn’t wait politely. The self-employed tax calculator covers that, and the tax instalments calculator lets you plan the quarterly payments the CRA may ask for.
All results are estimates for the 2026 tax year. They follow the published federal and provincial rules, but a filed return can differ because of credits and deductions only you know about.
Frequently asked questions
What's the difference between marginal and average tax rate?
Average is your total tax divided by your income. Marginal is the rate charged on the next dollar you earn.
Are federal and provincial tax worked out together?
Separately, then added. Each has its own brackets, and in some provinces the provincial part also carries surtaxes or reductions.
Does the tax year follow the calendar?
Yes. A 2026 personal return covers January 1 to December 31 and is due in the spring of 2027.
Can I file my return with these tools?
No. They give planning estimates. To file, use certified tax software or a professional.
Information only. This page is general information, not tax, legal or accounting advice. Tax-Services.ca is an independent publisher: we don't prepare or file tax returns or offer tax services, and we have no connection with the CRA, Revenu Québec, any government or any company named on this page. Check the figures that matter with an official source or a qualified professional.