# Side Hustle Tax Calculator for Canadians > See the extra income tax and CPP on side income on top of a salary in 2026. Enter pay, revenue and expenses, pick a province, and see what you keep. A person in Ontario who earns $65,000 at a job and clears $15,000 of profit on the side ($18,000 of sales less $3,000 of expenses) owes about $5,755 more for 2026: $4,181 of income tax and $1,574 of CPP. That leaves $9,245 of the $15,000, so the side income is taxed at about 38.4% overall (estimate). The calculator treats side income as self-employment income, the way the CRA treats a business, and stacks it on top of your salary. ## How is side income taxed on top of a salary? Net profit from a side business is added to your salary and taxed at your marginal rate, using the same federal and provincial brackets as the rest of your income. The profit sits on top, so its first dollar is taxed at the rate of the bracket your salary already reached. Nothing is withheld on it, so the bill arrives when you file. The 2026 return is due April 30, 2027, or June 15, 2027 for self-employed people, but any balance owing is still due April 30. ## How much CPP do I pay on side income? You pay both halves of CPP on the profit, 11.9% in total, but only up to the yearly ceiling, and your salary uses up part of it first. For 2026 the ceiling is $74,600, the exemption is $3,500, and a second tier of 8% applies up to $85,000. With a $65,000 salary, $9,600 of room remains: $9,600 at 11.9% is $1,142, and $5,400 of second-tier earnings at 8% is $432, which adds up to $1,574. If your salary already passes $85,000, side income adds no CPP. Half of the base part is a deduction, per the [Canada Revenue Agency: line 22200 page](https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-22200-deduction-cpp-qpp-contributions-on-self-employment-other-earnings.html). ## Will I have to pay tax by instalments? You may, if your net tax owing is more than $3,000 ($1,800 in Quebec) this year and in either of the two years before. The extra $5,755 in the example is over that line, so a second year of side income could trigger instalments due March 15, June 15, September 15 and December 15. The CRA sets the rule out on its [instalments page](https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/individual-payments/income-tax-instalments/who-pays-instalments.html), and the [tax instalments calculator](https://tax-services.ca/calculators/income-tax/tax-installments) covers amounts. ## When do I have to register for GST/HST? Once your taxable sales pass $30,000 in a single calendar quarter or over four quarters in a row. Below that you're a small supplier and don't have to charge GST/HST, although you can register voluntarily. The CRA explains the test in its [RC4022 guide](https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4022/general-information-gst-hst-registrants.html). Watch sales, not profit: the $30,000 counts revenue. ## Which expenses can I deduct? Costs you paid to earn the income: supplies, software, advertising and a reasonable share of your phone and internet. Each dollar saves your marginal rate plus CPP, about 35% in the example, so $100 of real expenses saves roughly $35. Personal costs don't qualify. The site's [self-employed tax calculator](https://tax-services.ca/calculators/income-tax/self-employed-tax) works the same way for full-time owners, and the [self-employed deductions article](https://tax-services.ca/articles/self-employed-tax-deductions-canada) goes through more examples. ## Where does this information come from? The CPP, instalment and GST/HST rules come from the Canada Revenue Agency pages linked above. Tax and CPP amounts come from this site's own 2026 tax engine. Checked in October 2026. This is an independent information site: we provide no services, we do not represent the CRA or any organization, and we do not guarantee that anything here is accurate or current. We accept no liability for decisions based on it. Check the official source before you rely on it. See the [full disclaimer](https://tax-services.ca/disclaimer). --- Source: https://tax-services.ca/calculators/income-tax/side-hustle-tax Last updated: 2026-10-10 Independent information site. Not affiliated with the CRA. No services, no guarantee of accuracy. See https://tax-services.ca/disclaimer