# What changed in Canadian taxes in 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.

A lot of tax news is noise. This is the short list of what actually changed for 2026, with a line on what it means for you and a link to the page that goes deeper. For the full numbers side by side, see the [2025 vs 2026 comparison](https://tax-services.ca/tax-numbers-2025-vs-2026).

## What changed for 2026?

| What | 2025 | 2026 | What it means |
| --- | --- | --- | --- |
| Lowest federal tax rate | 14.5% for the year | 14% | A few bucks a month saved on the first slice of income |
| CPP earnings ceiling (YMPE) | $71,300 | $74,600 | People earning above it pay a bit more CPP |
| CPP2 ceiling (YAMPE) | $81,200 | $85,000 | A second CPP layer applies on a little more income |
| EI maximum insurable earnings | $65,700 | $68,900 | The EI premium cap goes up |
| RRSP dollar limit | $32,490 | $33,810 | More room, if you have the earned income to match |
| Lifetime capital gains exemption | $1,250,000 | $1,275,000 | More room when selling qualifying shares or farm and fishing property |

## What stayed the same?

- **Capital gains inclusion rate:** still 50%.
- **TFSA annual limit:** still $7,000.
- **The main filing dates:** April 30 for most people, June 15 for the self-employed, with any tax owing still due April 30.

## What is changing for 2027?

The RRSP limit and EI figures for 2027 are already out. The rest are not. See [2026 vs 2027 tax numbers](https://tax-services.ca/tax-numbers-2026-vs-2027) for what is confirmed and what is still missing.

## Where can you check your own numbers?

The [income tax calculator](https://tax-services.ca/calculators/income-tax/income-tax-calculator) uses the 2026 rules. [The 2026 rates and limits page](https://tax-services.ca/tax-numbers) lists the rest, and [My tax year](https://tax-services.ca/my-tax-year) shows your dates.

## Where does this information come from?

It comes from the public pages of the [Canada Revenue Agency](https://www.canada.ca/en/revenue-agency.html) and other open sources, 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).

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Source: https://tax-services.ca/whats-new-2026
Last updated: 2026-10-05
Independent information site. Not affiliated with the CRA. No services, no guarantee of accuracy. See https://tax-services.ca/disclaimer