# Tax-Services.ca > Independent Canadian tax information: plain-English guides, about 1,500 articles and 92 free calculators for every province and territory, updated for 2026. The site is information only. It does not prepare or file tax returns, does not sell tax, legal, accounting or financial services, and is not affiliated with the Canada Revenue Agency or any government. Calculators give estimates for planning, not advice. See https://tax-services.ca/disclaimer. Figures come from CRA and provincial sources, and pages show when they were last checked. Official figures: canada.ca/en/revenue-agency. Articles are listed in the sitemap: https://tax-services.ca/sitemap_index.xml ## Reference and tools - [2027 tax questions: what is known and what is not](https://tax-services.ca/2027-tax-questions): Answers to common questions about Canadian taxes in 2027: the RRSP limit, EI premiums, CPP, TFSA, tax brackets and filing dates, with only confirmed figures. - [Accessibility statement](https://tax-services.ca/accessibility): How Tax-Services.ca aims to be usable for everyone, what we have done, what still needs work, and how to tell us about a problem. - [Bank of Canada rates, inflation and exchange rates](https://tax-services.ca/rates-and-markets): The Bank of Canada policy rate, prime rate, inflation and exchange rates with the date of each figure, plus what they mean for a loan or a mortgage - [Buying a home in Canada: the taxes and costs](https://tax-services.ca/buying-a-home-costs-and-taxes): Buying a home in Canada? Find guides and calculators for down payment, CMHC insurance, closing costs, land transfer tax, new-home GST/HST and the FHSA. - [Canadian tax calendar 2027](https://tax-services.ca/tax-calendar-2027): Key Canadian tax dates for 2027: RRSP deadline, filing and payment deadlines and instalment dates for the 2026 tax year. - [Canadian tax calendar: filing, instalment and RRSP dates](https://tax-services.ca/tax-calendar): The dates that matter in the Canadian tax year, from slips and the RRSP deadline to filing day and instalments, with weekend shifts worked out for you - [Canadian tax glossary: plain-English definitions](https://tax-services.ca/glossary): Short plain-English definitions of common Canadian tax terms, from RRSP and TFSA to credits and marginal rates, each linked to a guide or calculator - [Canadian tax numbers: 2025 vs 2026](https://tax-services.ca/tax-numbers-2025-vs-2026): See the main Canadian tax numbers for 2025 and 2026 side by side: tax rate, basic amount, CPP, EI, RRSP limit and capital gains exemption. - [Canadian tax numbers: 2026 vs 2027](https://tax-services.ca/tax-numbers-2026-vs-2027): Compare Canadian tax numbers for 2026 and 2027: RRSP limit, EI premium and maximum, with CPP, TFSA and brackets marked as not yet published. - [Canadian tax rates and limits for 2026 at a glance](https://tax-services.ca/tax-numbers): The 2026 Canadian limits and rates people look up most, including RRSP, TFSA, FHSA, federal brackets, CPP and EI, each with its source and date - [Cookies and local storage on this site](https://tax-services.ca/cookies): Which cookies and browser storage Tax-Services.ca uses, what each is for, and how to change your cookie choice at any time. - [Corrections policy: how we fix mistakes](https://tax-services.ca/corrections): Found an error or an outdated figure? See how to report it, how we check it against official sources and how we record the correction. - [CRA letters decoder: what the CRA wrote to you and what to do](https://tax-services.ca/cra-letters-decoder): See what common CRA letters mean, such as a notice of assessment, a reassessment or a request for documents, and what to do next. - [CRA news: latest releases from the Canada Revenue Agency](https://tax-services.ca/tax-news): The latest CRA news releases from the Canada Revenue Agency, each linked to the original page, with a note on how we pick and update them every day - [CRA scams: how to spot a fake call, text or email](https://tax-services.ca/cra-scams): Learn the signs of a fake CRA call, text or email, what the CRA says it will never do, how to check a message and where to report a scam in Canada. - [Data and downloads](https://tax-services.ca/open-data): Download the main Canadian tax numbers, the 2027 tax dates and the sales tax table as JSON, CSV or calendar files, and follow data changes by feed. - [Hiring help and paying staff in Canada](https://tax-services.ca/hiring-and-paying-staff): Hiring a nanny or employee in Canada? Find guides and calculators for payroll deductions, remittances, vacation and holiday pay, overtime, T4 and ROE. - [Is it taxable? Common income and payments in Canada](https://tax-services.ca/is-it-taxable): Quick answers on whether common income and payments are taxable in Canada, from tips and EI to TFSA withdrawals, gifts and the sale of your home. - [My tax year: your next CRA dates](https://tax-services.ca/my-tax-year): Choose employee, self-employed, business owner or investor and see the CRA dates coming up in the next 12 months, with weekends adjusted. - [Retirement income and benefits in Canada](https://tax-services.ca/retirement-income-and-benefits): Plan retirement income in Canada. Guides and calculators for CPP, OAS, RRSP withdrawals, TFSA, GIC and how pension income is taxed, all in one place. - [Sales tax by province: GST, HST and PST compared](https://tax-services.ca/sales-tax-by-province): Sort and compare sales tax in every province and territory: GST, HST, PST, QST and the combined rate on a purchase. - [Tax slips decoder: what each Canadian slip means](https://tax-services.ca/tax-slips-decoder): Search the common Canadian tax slips, from T4 to T5008, and see what each one reports, who sends it and what to do when it is missing. - [What changed in Canadian taxes in 2026](https://tax-services.ca/whats-new-2026): A short list of what changed in Canadian taxes for 2026: the lower first federal rate, new CPP and EI ceilings, the RRSP limit, and what stayed the same. - [Which Canadian tax situation are you in? A short quiz](https://tax-services.ca/tax-situation-quiz): Answer five short questions and get a list of the Canadian tax guides and calculators that fit your situation, with nothing saved or sent anywhere ## Guides - [Canadian tax credits and government benefits explained](https://tax-services.ca/guides/benefits-and-credits): The difference between tax credits and benefits in Canada, how they're worked out from your return, and the calculators for the ones people claim most - [Canadian tax guides: how it works and how to file](https://tax-services.ca/guides): Plain guides to Canadian income tax, filing, sales tax, self-employment and savings accounts, with the numbers and sources behind each one - [Dealing with the CRA: letters, audits and payments](https://tax-services.ca/guides/dealing-with-cra): Dealing with the CRA: what to do when a letter arrives, how a review differs from an audit, how My Account helps, and what to do if you can't pay - [GST, HST, PST and QST explained for every province](https://tax-services.ca/guides/gst-hst-pst): Which GST, HST, PST or QST applies where you shop or sell in Canada, the 2026 rates for every province, who must register and how to add or remove tax - [How Canadian income tax works: brackets and credits](https://tax-services.ca/guides/how-canadian-taxes-work): How federal and provincial Canadian income tax stack up, what marginal and average rates mean, and how credits and deductions change your bill - [How to choose a tax preparer in Canada](https://tax-services.ca/guides/choose-a-tax-preparer): How to decide if you need a tax preparer, what a preparer does, the questions to ask before you hire one and where to find free help in Canada - [How to file your tax return in Canada: steps and dates](https://tax-services.ca/guides/file-your-taxes): What to gather, when your return is due and how to file in Canada, from the first slip to the notice of assessment that closes the year - [Property and tax in Canada: buying, owning and selling](https://tax-services.ca/guides/property-and-tax): How property tax and transfer tax apply when you buy, own, rent out or sell a home in Canada, with the calculators for each step - [RRSP, TFSA, FHSA and retirement income in Canada](https://tax-services.ca/guides/savings-and-retirement): How the RRSP, TFSA and FHSA differ, the 2026 limits, what happens when you withdraw, and where CPP and OAS fit into your retirement income - [Self-employed taxes in Canada: income, CPP and GST](https://tax-services.ca/guides/self-employed-and-small-business): How tax works when you are self-employed in Canada: reporting income and expenses, paying both halves of CPP, instalments and when to register for GST ## Provinces and territories - [Alberta income tax and GST in 2026](https://tax-services.ca/provinces/alberta): How Alberta income tax works in 2026: six brackets, an 8% credit rate, no provincial sales tax, no surtax or health premium, and Alberta calculators - [British Columbia income tax and PST in 2026](https://tax-services.ca/provinces/british-columbia): How British Columbia income tax works in 2026: seven brackets starting at 5.6%, the tax reduction credit, the 7% PST and the BC calculators - [Manitoba income tax and sales tax in 2026](https://tax-services.ca/provinces/manitoba): How Manitoba income tax works in 2026: three brackets, a basic personal amount that phases out for high earners, the 7% RST and Manitoba calculators - [New Brunswick income tax and HST in 2026](https://tax-services.ca/provinces/new-brunswick): How New Brunswick income tax works in 2026: four brackets from 9.4%, the basic personal amount, the 15% HST and the calculators that switch to New - [Newfoundland and Labrador income tax in 2026](https://tax-services.ca/provinces/newfoundland-and-labrador): How Newfoundland and Labrador income tax works in 2026: eight brackets, a basic personal amount that changes mid-year, the 15% HST and the calculators - [Northwest Territories income tax and GST in 2026](https://tax-services.ca/provinces/northwest-territories): How Northwest Territories income tax works in 2026: four brackets from 5.9%, an $18,198 basic personal amount, GST only and the calculators for the - [Nova Scotia income tax and HST in 2026](https://tax-services.ca/provinces/nova-scotia): How Nova Scotia income tax works in 2026: five brackets, a basic personal amount that no longer depends on income, the 14% HST and Nova Scotia - [Nunavut income tax and GST in 2026](https://tax-services.ca/provinces/nunavut): How Nunavut income tax works in 2026: four brackets from 4%, a $19,659 basic personal amount, GST only and the calculators that switch to Nunavut - [Ontario income tax and sales tax in 2026](https://tax-services.ca/provinces/ontario): How Ontario income tax works in 2026: the five brackets, the surtax and health premium, the 13% HST, and the calculators that switch to Ontario - [Prince Edward Island income tax and HST in 2026](https://tax-services.ca/provinces/prince-edward-island): How Prince Edward Island income tax works in 2026: six brackets with a new 20% top rate, a $15,000 basic personal amount, the 15% HST and calculators - [Quebec income tax, QPP and QST in 2026](https://tax-services.ca/provinces/quebec): How Quebec income tax works in 2026: its own return and brackets, the federal abatement, QPP and QPIP contributions, QST, and calculators for Quebec - [Saskatchewan income tax and PST in 2026](https://tax-services.ca/provinces/saskatchewan): How Saskatchewan income tax works in 2026: three brackets from 10.5%, a large basic personal amount, the 6% PST and the calculators that switch to it - [Taxes by province and territory in Canada](https://tax-services.ca/provinces): How taxes differ by province and territory in Canada: income tax brackets, credits and sales tax, with a guide for where you live - [Yukon income tax and GST in 2026](https://tax-services.ca/provinces/yukon): How Yukon income tax works in 2026: five brackets from 6.4%, a basic personal amount that follows the federal pattern, GST only and Yukon calculators ## Life events - [Buying or selling a home: what changes for your taxes](https://tax-services.ca/life-events/buying-or-selling-a-home): What changes for your taxes when you buy or sell a home in Canada: transfer tax, the principal residence rule, the FHSA and where to run the numbers - [Death and estates: what changes for your taxes](https://tax-services.ca/life-events/losing-a-loved-one): What changes for your taxes when someone dies in Canada: the final return, its due date, the estate and what the legal representative has to do - [First job: what changes for your taxes](https://tax-services.ca/life-events/first-job): What changes for your taxes when you start your first job in Canada: the TD1 form, payroll deductions, the T4 slip and why you should still file - [Having a baby: what changes for your taxes](https://tax-services.ca/life-events/having-a-baby): What changes for your taxes when you have a baby in Canada: the Canada Child Benefit, leave payments, childcare costs and the returns you need to file - [Marriage and common-law: what changes for your taxes](https://tax-services.ca/life-events/getting-married): What changes for your taxes when you marry or move in with a partner in Canada: common-law status, credits, benefits and what to tell the CRA and when - [New to Canada: what changes for your taxes](https://tax-services.ca/life-events/new-to-canada): What changes for your taxes when you are new to Canada: residency, world income, your first return, benefits and the foreign income rules - [Retiring: what changes for your taxes](https://tax-services.ca/life-events/retiring): What changes for your taxes when you are retiring in Canada: CPP and OAS, RRSP withdrawals, the move to a RRIF and instalments - [Separation and divorce: what changes for your taxes](https://tax-services.ca/life-events/separation-or-divorce): What changes for your taxes after a separation or divorce in Canada: marital status, benefits, support payments and the property you may need to report - [Starting a business: what changes for your taxes](https://tax-services.ca/life-events/starting-a-business): What changes for your taxes when you start a business in Canada: reporting income, GST/HST registration, instalments and the records you need to keep - [Students: what changes for your taxes](https://tax-services.ca/life-events/student): What changes for your taxes when you study in Canada: the tuition credit, your T2202 slip, scholarships, student loan interest and a summer job - [Taxes by life event: what changes and what to do](https://tax-services.ca/life-events): Pick the moment you are in, such as a first job, a baby, a home sale or retirement, and see what changes for your taxes, with dates and first steps. ## Checklists - [Checklist for newcomers: your first tax steps in Canada](https://tax-services.ca/checklists/new-to-canada): A printable checklist for newcomers to Canada: the number, forms and records to arrange in your first months, before your first tax return - [Checklist for students: what to gather before you file](https://tax-services.ca/checklists/student-tax-return): A printable checklist for students filing a Canadian tax return: your tuition slip, job slips, loan interest receipts and other things to claim - [Checklist: the costs and taxes of buying a home in Canada](https://tax-services.ca/checklists/buying-a-home): A printable checklist of the costs, taxes and accounts to plan for when you buy a home in Canada, from transfer tax and legal fees to the FHSA - [Checklist: what to check before you file your tax return](https://tax-services.ca/checklists/before-you-file): A printable last check before you send your Canadian tax return: your details, slips, claims, payment and the records to keep afterwards - [Documents to gather for your Canadian tax return](https://tax-services.ca/checklists/documents-for-your-tax-return): A printable checklist of the slips, receipts and personal details to have ready before you file your Canadian tax return, and what each one is for - [Printable tax checklists for Canadian taxpayers](https://tax-services.ca/checklists): Printable tax checklists for Canada, starting with the documents to gather before you file and the expenses a self-employed person can claim - [Self-employed expenses you can claim in Canada](https://tax-services.ca/checklists/self-employed-expenses): A printable checklist of the business costs self-employed people in Canada often forget to claim, from software and insurance to home office costs ## Calculators - [BC Property Transfer Tax Calculator for Home Buyers](https://tax-services.ca/calculators/property-transfer-tax/property-transfer-tax): Find the BC property transfer tax on a home, including the 2% surcharge above $3 million and the first-time buyer exemption - [Bonus Tax Calculator for Canada: What You Keep](https://tax-services.ca/calculators/payroll-salary/bonus-tax): See what a bonus pays after tax: enter your salary and bonus to get the extra income tax and CPP for any province or territory - [BRRRR Calculator for Canada: Cash Left in a Deal](https://tax-services.ca/calculators/real-estate/brrrr-calculator): Model a BRRRR deal that buys, rehabs, rents and refinances, then see the cash left in the property, the yearly cash flow and the return - [Business Tax Calculators for Canadian Owners](https://tax-services.ca/calculators/business-tax): Estimate payroll remittances owed to the CRA and corporate income tax for a small business, with rates for every province - [Canadian Salary Calculator: What You Keep After Tax](https://tax-services.ca/calculators/payroll-salary/take-home-pay-calculator): Canadian pay after deductions: what's left of your salary in each province after income tax, CPP or QPP and EI, by year, month and cheque - [Canadian Tax and Money Calculators by Topic](https://tax-services.ca/calculators): Browse free calculators for Canadian tax, pay, mortgages, benefits, retirement and property with 2026 rates for each province - [Cap Rate Calculator for a Rental Property](https://tax-services.ca/calculators/real-estate/cap-rate): Work out a rental's capitalization rate from its price, rent, vacancy and yearly costs, and the price that would give the yield you want - [Capital Gains Tax on Investments and Property](https://tax-services.ca/calculators/income-tax/capital-gains-tax): The extra tax on a sale depends on your other income. Enter price, cost and fees to see the capital gains tax in your province - [Car Loan Payment Calculator with Sales Tax](https://tax-services.ca/calculators/loans-debt/car-loan-calculator): Work out a car loan payment with sales tax, down payment and trade-in in any province, monthly or bi-weekly, and see the total interest - [Cash-on-Cash Return for Rental Properties](https://tax-services.ca/calculators/real-estate/cash-on-cash-return): See what a rental pays you each year after the mortgage, set against the cash you put in, and how the return shifts when the rent moves - [CMHC Mortgage Insurance Premium Estimator](https://tax-services.ca/calculators/mortgage/cmhc-insurance): Estimate the CMHC premium on your mortgage, the sales tax due in cash at closing and the final loan size, with rates at 5%, 10% and 15% down - [Commercial Mortgage Payment and Loan Size Tool](https://tax-services.ca/calculators/mortgage/commercial-mortgage-calculator): Lenders size commercial loans by value and income. Work out the payment, the debt coverage and the biggest loan a building's income may support - [Compound Interest Calculator With Contributions](https://tax-services.ca/calculators/savings-budget/compound-interest-calculator): Watch compound growth on a starting amount and monthly deposits, with a year by year table of what you paid in and what the interest added - [Condo Ownership Cost Calculator: Monthly Budget](https://tax-services.ca/calculators/real-estate/condo-ownership-cost): Add up the full monthly cost of a condo, from the mortgage and CMHC premium to fees, property tax, insurance and utilities, before you buy - [Corporation Tax Calculator for Canadian Businesses](https://tax-services.ca/calculators/business-tax/corporate-tax-calculator): Estimate federal and provincial corporation tax on active business income, with the 9% small business rate and the general rate by province - [CPP Pension by Start Age, 60 to 70](https://tax-services.ca/calculators/rrsp-retirement/cpp-calculator): Compare CPP payments when you start at 60, 65 or 70 and see how the early and late adjustment rates change your monthly pension - [Credit Card Payoff Calculator with Extra Payment](https://tax-services.ca/calculators/loans-debt/credit-card-payoff): How long will a credit card balance take to clear? See the payoff time and interest cost, and what a higher monthly payment saves you - [Disability Tax Credit and Retroactive Refund](https://tax-services.ca/calculators/family-benefits/disability-tax-credit): Disability claims can reach back 10 years. Estimate the federal credit for each year, plus the extra amount for a person under 18 - [Discount and Sale Price Calculator with Tax](https://tax-services.ca/calculators/math-business/discount-calculator): See the sale price, the amount saved and the final price with tax after one or two discounts. Pick your province for the right tax rate - [EI Benefits Calculator: Weekly Pay and Weeks](https://tax-services.ca/calculators/family-benefits/ei-calculator): Find out if you qualify for EI, how much you'd get each week and for how many weeks, from your earnings, hours and regional rate - [Estate Administration Tax and Probate Fee Calculator](https://tax-services.ca/calculators/property-transfer-tax/estate-administration-tax): See the probate fee or Ontario estate administration tax on an estate, with rates for every province and territory shown side by side - [Family and Benefits Calculators for Canada](https://tax-services.ca/calculators/family-benefits): Estimate EI, maternity and parental pay, the Canada Child Benefit and other family benefits from your household income today - [FHSA Room and Tax Savings for First Buyers](https://tax-services.ca/calculators/rrsp-retirement/fhsa-calculator): Estimate your FHSA room for this year, see how carry-forward works and find the income tax that a deduction saves in your province - [Fixed vs Variable Mortgage Rate Comparison Tool](https://tax-services.ca/calculators/mortgage/fixed-vs-variable-mortgage): Fixed or variable? Compare five years of interest under falling, flat and rising rates, then see which choice costs less for your loan - [GIC Calculator: Value at Maturity and Interest](https://tax-services.ca/calculators/savings-budget/gic-calculator): GIC returns for any amount, rate and term, with simple interest paid at maturity or interest compounded yearly, twice a year or monthly - [GST and PST Calculator for BC, Saskatchewan and Manitoba](https://tax-services.ca/calculators/sales-tax/gst-pst-calculator): See 5% GST and the provincial tax on separate lines for BC, Saskatchewan and Manitoba, with the total and the price before tax - [GST and QST Calculator for Quebec (TPS and TVQ)](https://tax-services.ca/calculators/sales-tax/gst-qst-calculator): Add 5% GST and Quebec's 9.975% QST to a price, or strip both out of a total, with each amount on its own line plus the final total - [GST Credit and Groceries Benefit Estimate](https://tax-services.ca/calculators/family-benefits/gst-hst-credit): Check what your household could receive from the GST/HST credit, now paid as the Canada Groceries and Essentials Benefit, from July 2026 - [HELOC Calculator: Home Equity Line of Credit Limit](https://tax-services.ca/calculators/mortgage/heloc-calculator): Your HELOC limit depends on home value and mortgage. Find the credit line you could get and the interest-only payment on what you use - [Home Appreciation Calculator: Yearly Growth Rate](https://tax-services.ca/calculators/real-estate/home-appreciation-calculator): Find how fast your home has gained value each year, the rate after inflation, your equity and a projected value for the years ahead - [Home Closing Costs Estimator for Buyers](https://tax-services.ca/calculators/real-estate/closing-costs): Add up the cash due on closing day, from land transfer tax and legal fees to sales tax on mortgage insurance, for any Canadian province - [Home Sale Net Proceeds Calculator for Sellers](https://tax-services.ca/calculators/real-estate/home-sale-proceeds): See the cash left after commission, sales tax, legal fees, penalty and payoff, plus tax on the gain if it wasn't your main home - [Home Value Calculator From Comparable Sales](https://tax-services.ca/calculators/real-estate/home-value-calculator): Get a quick estimate of your home's worth from recent comparable sales and price per square foot, with an adjustment and a low to high range - [Hourly Paycheque Calculator for Weekly and Yearly Pay](https://tax-services.ca/calculators/payroll-salary/hourly-to-salary): Turn an hourly wage into weekly, monthly and yearly pay, then see what is left after 2026 tax, CPP and EI deductions come off - [House Flipping Calculator: Profit After Costs](https://tax-services.ca/calculators/real-estate/house-flipping-calculator): See what a house flip really earns after renovation, loan interest, buying and selling costs and tax, plus the break-even price - [How Much CCB Will Your Family Get in 2026 to 2027?](https://tax-services.ca/calculators/family-benefits/canada-child-benefit): Estimate your CCB payment from family income and your children's ages, for the payment year that runs July 2026 to June 2027 - [How Much Mortgage Can You Afford in Canada?](https://tax-services.ca/calculators/mortgage/mortgage-affordability): See how big a home price and mortgage payment you could qualify for in Canada from your income, debts and savings, after the stress test - [How Much Rent Can I Afford on My Income?](https://tax-services.ca/calculators/real-estate/rent-affordability): Rent you can afford from your income, using a 25% to 40% housing share and your utilities, with a table of budgets at each share - [HST and GST Calculator by Province](https://tax-services.ca/calculators/sales-tax/gst-hst-calculator): Work out GST, HST, PST or QST on any price. Add tax to a total or take it out again, using the current rate for each province and territory - [Income Tax Calculator for Every Canadian Province](https://tax-services.ca/calculators/income-tax/income-tax-calculator): Estimate federal and provincial tax on pay, business income, dividends and gains using 2026 Canadian rates, and see your average rate - [Income Tax Calculators for Canadian Taxpayers](https://tax-services.ca/calculators/income-tax): Estimate federal and provincial income tax, your refund, marginal rate, capital gains and dividend tax for the 2026 tax year - [Land Loan Calculator: Payment and Balloon Balance](https://tax-services.ca/calculators/real-estate/land-loan-calculator): See what a land loan costs each month, the balance still owing when the term ends and the cash needed for the down payment and closing - [Land Transfer and Property Tax Calculators](https://tax-services.ca/calculators/property-transfer-tax): Estimate land transfer tax, Quebec welcome tax, BC transfer tax, non-resident taxes and probate fees using the 2026 rules - [Land Transfer Tax Calculator for Canadian Homes](https://tax-services.ca/calculators/property-transfer-tax/land-transfer-tax): Find the land transfer tax due at closing when you buy in Ontario, Toronto, BC, Quebec or Nova Scotia, first-time buyer rebates included - [Line of Credit Payoff and Interest Calculator](https://tax-services.ca/calculators/loans-debt/line-of-credit): See the monthly interest on your line of credit and how long it takes to reach zero at the payment you choose. Test other amounts fast - [Loan and Debt Calculators for Canadians](https://tax-services.ca/calculators/loans-debt): Work out payments, total interest and payoff time for car loans, personal loans, lines of credit and credit cards in Canada - [Marginal Tax Rate Calculator by Province](https://tax-services.ca/calculators/income-tax/marginal-tax-rate): See the marginal rate on your next dollar of pay, interest, capital gains or dividends in every province and territory, using 2026 tax steps - [Maternity and Parental Leave Pay Estimate](https://tax-services.ca/calculators/family-benefits/maternity-parental-leave): Estimate pay for maternity, parental and adoption leave from your yearly earnings, with EI options for most provinces and QPIP for Quebec - [Minimum Down Payment Calculator for Homes](https://tax-services.ca/calculators/mortgage/down-payment): See the least cash you must put down on any price in Canada, how your savings compare and how much CMHC premium each deposit adds to the loan - [Monthly Budget Calculator to See What You Have Left](https://tax-services.ca/calculators/savings-budget/budget-calculator): Build a budget from your take-home pay across housing, bills, food, transport, debt and savings, and see what is left or how much you are short - [Monthly Mortgage Payment Calculator](https://tax-services.ca/calculators/mortgage/mortgage-calculator): Find your monthly mortgage payment, the CMHC premium, lifetime interest and payoff date. Compare pay schedules and test a higher rate before buying - [Mortgage Amortization Schedule Calculator](https://tax-services.ca/calculators/mortgage/mortgage-amortization): Amortization of a Canadian mortgage, year by year. See your payment, total interest and how much of each year goes to principal or interest - [Mortgage Calculators for Canadian Home Buyers](https://tax-services.ca/calculators/mortgage): Estimate mortgage payments, affordability, insurance, renewal and penalties with Canadian rules like semi-annual compounding for 2026 - [Mortgage Penalty Calculator for Breaking Early](https://tax-services.ca/calculators/mortgage/mortgage-penalty): Estimate what leaving a mortgage early could cost, using three months of interest or the rate differential on fixed terms - [Mortgage Pre-Approval Amount Calculator](https://tax-services.ca/calculators/mortgage/mortgage-pre-approval): Estimate the mortgage a bank could clear for you based on earnings, monthly debts and savings, plus the home price that loan reaches - [Mortgage Prepayment and Payoff Estimator](https://tax-services.ca/calculators/mortgage/mortgage-prepayment): See how much interest you save and how soon you are free of debt when you add a monthly amount or a lump sum to your mortgage - [Mortgage Renewal Payment Calculator for Canadians](https://tax-services.ca/calculators/mortgage/mortgage-renewal): Mortgage costs change when a term ends. Test a new rate and see the payment, yearly change and interest over a 1, 3 or 5 year term - [Mortgage Stress Test Calculator for Home Buyers](https://tax-services.ca/calculators/mortgage/mortgage-stress-test): Mortgage lenders test you at a higher rate. See the qualifying payment, the income you need and whether your household passes - [Nanny Payroll Calculator for Every Province in Canada](https://tax-services.ca/calculators/payroll-salary/nanny-payroll-calculator): Free nanny payroll calculator for every province: take-home pay, CPP, EI and tax held back, overtime, vacation pay and what your family really pays. - [Net to Gross Calculator: Find the Pay You Need](https://tax-services.ca/calculators/payroll-salary/net-to-gross): Net pay to gross: enter the take-home amount you want per year, month or week, and get the salary needed before tax and deductions - [Net Worth Calculator for Your Assets and Debts](https://tax-services.ca/calculators/savings-budget/net-worth-calculator): Find your net worth from home value, savings, investments and vehicles less the mortgage, loans and card balances, plus your debt share - [New Home GST and HST Rebate Calculator for Canada](https://tax-services.ca/calculators/sales-tax/gst-hst-new-housing-rebate): Estimate what you get back on the GST or HST paid for a new home, from the federal rebates, first-time buyer relief and Ontario's share - [Non-Resident Buyer Tax Calculator for Canadian Homes](https://tax-services.ca/calculators/property-transfer-tax/non-resident-buyer-tax): A non-resident buyer pays an extra tax in Ontario, British Columbia and Nova Scotia. Enter a price to see the amount, rate and refund rules - [OAS Pension Estimate and Recovery Tax](https://tax-services.ca/calculators/rrsp-retirement/oas-calculator): Estimate your OAS pension from years in Canada and start age, then see the 15% recovery tax that hits higher net incomes - [Ontario Minimum Wage and Every Province Compared](https://tax-services.ca/calculators/payroll-salary/minimum-wage): Check the Ontario minimum wage and the rate in every province, the next scheduled increase, and what it pays per week, month and year - [Overtime Pay Calculator for Your Province](https://tax-services.ca/calculators/payroll-salary/overtime-pay): Work out overtime hours and pay for a week under your province's rules, with daily limits, double time and the overtime rate - [Payroll and Salary Calculators for Canada](https://tax-services.ca/calculators/payroll-salary): Work out take-home pay, payroll deductions, overtime, bonus tax, vacation pay and severance for every province and territory - [Payroll Deductions Calculator for All Provinces](https://tax-services.ca/calculators/payroll-salary/payroll-deductions-calculator): See the payroll deductions in any province or territory: the CPP, QPP, EI and income tax taken from each paycheque, using 2026 rates - [Payroll Remittance Calculator for Employers](https://tax-services.ca/calculators/business-tax/payroll-remittance): Estimate the payroll amount an employer sends each pay period, from the tax and contributions held back to the employer share of CPP and EI - [Percentage Calculator for Any Calculation](https://tax-services.ca/calculators/math-business/percentage-calculator): Find a percent of a number, one number as a percent of another, a percentage change, or add and subtract a percent from a value - [Percentage, Margin and ROI Calculators](https://tax-services.ca/calculators/math-business): Quick free tools for percentages, sale prices, profit margin, markup and return on investment, with the steps shown for each answer - [Personal Loan Payment and Cost Calculator](https://tax-services.ca/calculators/loans-debt/personal-loan-calculator): Find the monthly payment, total interest and fees on a personal loan. Compare terms from 12 to 120 months before you sign with a lender - [Profit and Markup Calculator for Any Product](https://tax-services.ca/calculators/math-business/profit-margin-calculator): Turn a cost and a selling price into profit margin and markup, or enter the margin you want and get the price to charge for each item - [Property Tax Calculator by Rate or Mill Rate](https://tax-services.ca/calculators/real-estate/property-tax): Estimate your yearly property tax from the assessed value and a percentage or mill rate, with credits and a part year for a mid-year purchase - [Public Holiday Pay Calculator for Canada](https://tax-services.ca/calculators/payroll-salary/holiday-pay): Estimate your pay for a statutory holiday, off or worked, using the formula and premium rate for your province or territory - [Quarterly Tax Instalments: Do You Have to Pay](https://tax-services.ca/calculators/income-tax/tax-installments): Find out if your net tax owing triggers quarterly payments, then split the year into four instalments with each due date shown - [Real Estate Calculators for Buyers and Investors](https://tax-services.ca/calculators/real-estate): Compare renting and buying, and estimate closing costs, rental returns and sale proceeds with a real estate calculator for Canada - [Realtor Commission Calculator with Tax](https://tax-services.ca/calculators/real-estate/realtor-commission): Real agent fees on a home sale, listing and buyer side, with GST or HST added, plus how much of the price is left after commission - [Rent Increase Calculator for Every Province](https://tax-services.ca/calculators/real-estate/rent-increase): Find the highest rent increase your landlord can ask for in your province, the notice required and what your new monthly rent would be - [Rent vs Buy: Which Path Builds More Wealth?](https://tax-services.ca/calculators/real-estate/rent-vs-buy): Compare owning a home with renting and investing the difference, year by year, using your own price, rate, rent and growth guesses - [Rental Property Investment Calculator](https://tax-services.ca/calculators/real-estate/rental-property): Estimate monthly cash flow, cap rate and total profit for a financed rental, then test how rent, rate and holding time move the result - [RESP Growth With the Education Grant](https://tax-services.ca/calculators/rrsp-retirement/resp-cesg): Project an RESP with the Canada Education Savings Grant, see the extra grant for your family income and the balance when your child turns 17 - [Retirement Savings and Monthly Income Planner](https://tax-services.ca/calculators/rrsp-retirement/retirement-calculator): Project what your savings will be worth at retirement and the monthly income they can pay, with CPP and OAS added, at today's prices - [Retirement Tax on CPP, OAS, Pension and RRIF](https://tax-services.ca/calculators/rrsp-retirement/retirement-income-tax): Estimate yearly income tax in retirement on your pension, CPP, OAS and RRIF withdrawals, with age credits and the OAS recovery tax - [Reverse HST Calculator: Remove Tax From a Total](https://tax-services.ca/calculators/sales-tax/hst-reverse-calculator): Your receipt total has HST or GST buried in it. Enter the total, pick your province and see the price before tax and the tax paid - [ROI and Payback Period Calculator](https://tax-services.ca/calculators/math-business/roi-calculator): Work out your ROI, the compound yearly return and the payback period from the amount invested and the value at the end of the period - [RRSP Contribution Refund and Room Calculator](https://tax-services.ca/calculators/rrsp-retirement/rrsp-calculator): Find the income tax an RRSP deposit saves in your province, plus your 2026 deduction room, pension adjustment and over-contribution check - [RRSP Withdrawal Tax: Withheld vs Real Tax](https://tax-services.ca/calculators/rrsp-retirement/rrsp-withdrawal-tax): Learn how much tax the bank withholds when you cash out an RRSP, then compare it with the real tax you owe on your return in 2026 - [RRSP, TFSA and Retirement Calculators](https://tax-services.ca/calculators/rrsp-retirement): Plan savings and income with an RRSP calculator plus tools for TFSA room, FHSA, RESP, CPP and Old Age Security in Canada - [Salary Increase Calculator: Your Raise After Tax](https://tax-services.ca/calculators/payroll-salary/salary-increase): Salary raise, before and after deductions: enter a percentage or a new yearly pay and see the extra amount you keep in any province - [Sales Commission Calculator: Tiered Pay and Base](https://tax-services.ca/calculators/payroll-salary/sales-commission): Commission pay in seconds: enter sales, a target, two rates and base pay to see total earnings and the estimated pay after deductions - [Sales Tax Calculators: GST, HST, PST and QST](https://tax-services.ca/calculators/sales-tax): Add sales tax to a price or remove it again, using the right GST, HST, PST or QST rate for every province and territory today - [Savings, Interest and Budget Calculators](https://tax-services.ca/calculators/savings-budget): See how savings and GICs grow, track your net worth and plan a monthly budget using simple savings calculators, no sign-up needed - [Self-Employed Tax and CPP for Freelancers](https://tax-services.ca/calculators/income-tax/self-employed-tax): A sole proprietor pays income tax and both halves of CPP. Enter net business income to see the self employed total in any province - [Severance and Termination Pay Calculator](https://tax-services.ca/calculators/payroll-salary/severance-pay): Check the minimum notice, termination pay and statutory severance you may be owed after a dismissal, using the rules of your province - [Should You Refinance Your Mortgage? Find Out](https://tax-services.ca/calculators/mortgage/mortgage-refinance): Compare your current mortgage with a refinance after the penalty and fees, and see the net saving or extra cost over three or five years - [Simple and Compound Interest on Any Amount](https://tax-services.ca/calculators/savings-budget/interest-calculator): Find the interest on a deposit or a loan balance over any number of years, using simple, monthly compound or yearly compound interest - [Square Footage Calculator: Rooms and Whole Homes](https://tax-services.ca/calculators/real-estate/square-footage-calculator): Measure up to six rooms in feet or metres, get the total area, the price per square foot and the flooring or tile you need with waste included - [Take-Home Pay 2027 Preview: What You Might Keep](https://tax-services.ca/calculators/payroll-salary/take-home-pay-2027-preview): Preview your 2027 take-home pay in any province with the official 2027 EI figures and clear assumptions for the brackets and CPP ceilings not yet published. - [Tax Deductions and Credits: What Each One Saves You](https://tax-services.ca/calculators/income-tax/tax-credits): See what an RRSP deduction, medical costs, tuition, donations and federal tax credits take off your bill, with worked Ontario savings for 2026 - [Tax on Eligible and Other Dividends](https://tax-services.ca/calculators/income-tax/dividend-tax): Find the extra tax on dividends after the gross-up and credits, by province, and see how much of the cash you keep in 2026 - [Tax on Rental Income for Canadian Landlords](https://tax-services.ca/calculators/income-tax/rental-income-tax): Rental profit is added on top of your other income. Enter rent and costs to see the extra income tax and what you keep in your province - [Tax Refund Calculator: Refund or Balance Owing in Canada](https://tax-services.ca/calculators/income-tax/tax-refund-calculator): Set the income tax you owe against the tax withheld on your T4 and see a tax refund or balance owing estimate for any province - [TFSA Calculator: Your Contribution Room by Birth Year](https://tax-services.ca/calculators/rrsp-retirement/tfsa-calculator): Work out how much TFSA room you have left in 2026 from your birth year, deposits and withdrawals, and test tax-free growth on yearly saving - [Vacation Pay Calculator: Weeks Off and Pay by Province](https://tax-services.ca/calculators/payroll-salary/vacation-pay): Find the vacation time and pay you've earned after your years of service, using the minimum rules of your province or territory - [Welcome Tax Calculator for Quebec Home Buyers](https://tax-services.ca/calculators/property-transfer-tax/welcome-tax-calculator): Get the Quebec welcome tax on a home purchase, using the 2026 Montreal brackets or the provincial scale that applies elsewhere ## About and policies - [About Tax-Services.ca: Calculators and Guides](https://tax-services.ca/about): What Tax-Services.ca is, where its numbers come from, who writes and checks it, what it does not do and how the site is paid for - [Disclaimer and terms of use](https://tax-services.ca/disclaimer): Tax-Services.ca is an independent information site, not tax, legal or financial advice, and not affiliated with the CRA. 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