Updated Checked by the Tax-Services.ca editorial team How we check
Use these 18 income tax calculators to estimate federal and provincial tax for 2026, your marginal rate, a refund or balance owing, and the tax on capital gains, dividends, rent and self-employed income. Start with the main income tax calculator, then pick a specialist tool. Results are estimates, not a filed return.
The tools work out federal and provincial tax together, then split off the cases that behave differently: capital gains, dividends, rent, self-employment and the deductions and credits that shrink a bill. Quebec residents file a separate provincial return, so their numbers fit together a little differently.
Which income tax calculator should I use first?
Start with the income tax calculator. It combines the federal and provincial layers for any province and shows your tax, your average rate and what’s left.
- Home Office Deduction Calculator for Employees
Work out the employee home office claim for 2026 and the tax it saves in your province.
- 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.
- Charitable Donation Tax Credit Calculator
Work out the federal and provincial credit on your 2026 donations and whether to spread your giving.
- Pension Income Splitting Calculator
Find the share of a pension to move to a spouse so the couple pays the least combined tax.
- Side Hustle Tax Calculator
Estimate the income tax and CPP on side income earned on top of a salary.
- Medical Expense Tax Credit Calculator
Find the best 12-month period for medical expenses and the tax the credit saves in 2026.
- Moving Expenses Deduction Calculator
Add up eligible moving costs, apply the 40 km rule and the income limit, and see the tax saved.
- Principal Residence Exemption Calculator
Tax on the part of a gain that the principal residence exemption does not cover, by province.
- Child Care Expense Deduction Calculator
Work out the child care deduction for 2026 and the tax it saves in your province.
- Rental Property CCA Recapture Calculator
Compares total tax on a rental if you claim CCA or skip it, including recapture and capital gains at sale.
- 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.
Which calculator fits my situation?
| Your question | Calculator to try |
|---|---|
| How much tax will I pay on my salary? | Income tax calculator |
| Will I get a refund or owe money? | Tax refund calculator |
| What does a raise or bonus really add? | Marginal tax rate calculator |
| I sold shares or a second property | Capital gains tax calculator |
| I earn dividends from Canadian companies | Dividend tax calculator |
| I run a business or freelance | Self-employed tax calculator |
| I want to know what an RRSP deduction saves | Deductions and credits calculator |
What rate do I pay on the next dollar I earn?
That is your marginal rate, and it usually sits above your average rate. The marginal tax rate calculator shows it before you take a raise, a side job or an RRSP deduction. Come tax time, the tax refund calculator sets the tax already withheld against the tax you owe, so you know whether a cheque or a bill is on the way.
Is all income taxed the same way?
No. Half of every capital gain enters your income, and the capital gains tax calculator applies that to shares and property. Dividends get a gross-up and a credit, which the dividend tax calculator works through for eligible and ordinary ones. The rental income tax calculator adds rental profit on top of your other income.
If you work for yourself, nobody withholds tax and you carry both the employee and employer parts of CPP. The self-employed tax calculator covers a full business. For a weekend gig on top of a salary, the side hustle tax calculator shows the extra income tax and CPP. The tax instalments calculator plans the quarterly payments the CRA may ask for.
Which deductions and credits can I estimate?
The deductions and credits calculator shows what an RRSP deduction, tuition or medical costs save in your province. Six single-purpose calculators go further:
- The child care expense deduction calculator applies the per-child limits and the earned income cap.
- The donation tax credit calculator compares giving everything in one year with spreading gifts over several.
- The home office deduction calculator checks which rent and utilities an employee can claim.
- The medical expense credit calculator lets you compare different 12-month periods.
- The moving expenses deduction calculator tests the distance rule and the income limit on what you can deduct.
- The pension income splitting calculator looks for the split that cuts a couple’s combined tax.
What if I sold a cottage or a rental property?
The principal residence exemption calculator estimates the tax when you sell a cottage, a second property or a home you did not live in every year. If you rented the place out and claimed capital cost allowance, the rental property CCA recapture calculator shows how those claims come back as income at sale.
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.
Which 2026 figures sit behind these calculators?
The calculators use the 2026 federal rates from the CRA: 14% on the first $58,523 of taxable income, 20.5% on the next slice up to $117,045, and higher rates above that. The federal basic personal amount tops out at $16,452. Provincial brackets, surtaxes and credits are added on top for the province you pick. Half of a capital gain is taxable. For the full list of 2026 numbers and what is already known for 2027, see our 2026 versus 2027 tax numbers page. For a province worked through in detail, see income tax in Ontario.
Where we checked: the CRA page on current year tax rates and income brackets at canada.ca, November 2026. This site is information only and the tools do not file anything.
Frequently asked questions
What's the difference between marginal and average tax rate?
Your average rate is your total tax divided by your income. Your marginal rate is the rate charged on the next dollar you earn, and it is the one that matters when you weigh a raise, a side job or an RRSP deduction.
Are federal and provincial tax worked out together?
They are worked out separately, then added. Each has its own brackets, and in some provinces the provincial part also carries surtaxes or reductions. The income tax calculator combines both for you.
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. Income earned in those months belongs to that tax year, whatever the pay date.
Can I file my return with these tools?
No. They give planning estimates and nothing more. To file, use certified tax software or a professional, and treat the CRA's own pages as the official reference.
Is a capital gain taxed like a salary?
Not in full. Half of a capital gain is added to your income and taxed at your marginal rate, while a salary is fully taxable. The capital gains calculator shows the extra tax on a sale in your province.
Do self-employed people pay tax in instalments?
Often, yes. No employer withholds tax from business income, so the CRA may ask for quarterly payments once your tax owing is high enough. The instalments calculator checks that and splits the year into four payments.
Information only. No services, consultations or registrations. More
For information only. We provide no services, consultations or registrations, and we do not represent the CRA, any government or any other organization. We copy information by hand from official websites, so we can make mistakes and the data can go out of date. Please confirm everything with a certified professional, such as a chartered professional accountant, or on the official government websites before you rely on it. We do not guarantee that it is accurate, complete or current, and we accept no liability for how you use it. Official government websites · Full disclaimer
What are the federal income tax brackets for 2026?
The CRA lists five federal brackets for 2026, starting at 14% on the first $58,523 of taxable income and 20.5% up to $117,045, with higher rates above. Your provincial tax is added on top, so your combined rate depends on where you live.
Can I use these calculators for the 2027 tax year?
Not yet. They use 2026 rates, which apply to the return you file in spring 2027. The federal brackets for 2027 were not published when we checked in November 2026, so we do not guess them. Our numbers page shows what is already confirmed.