Tax Year 2026 · All 10 Provinces
Canada Paycheck Tax Calculator 2026
Calculate your exact Canadian take-home pay after federal income tax, CPP contributions, EI premiums, and provincial income tax. Covers all 10 provinces with 2026 rates.
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By Province
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Every Canadian paycheck is subject to four main deductions. Federal income tax uses progressive brackets ranging from 15% to 33% in 2026. The federal Basic Personal Amount (BPA) of $16,452 (2026) generates a non-refundable tax credit that reduces your federal tax owing.
CPP contributions (Canada Pension Plan) are 5.95% of pensionable earnings between $3,500 and $74,600 (2026 YMPE). High earners also contribute CPP2 at 4% on earnings between the YMPE and the Year's Additional Maximum Pensionable Earnings ($85,000 in 2026). Quebec workers contribute to QPP instead of CPP at a higher rate of 6.4%.
EI premiums (Employment Insurance) are 1.63% (2026) on insurable earnings up to $68,900. Quebec workers pay a reduced EI rate of 1.30% because they also pay into the Quebec Parental Insurance Plan (QPIP).
Provincial income tax is levied by each province at its own set of progressive brackets. Alberta is Canada's most tax-friendly province, with a 10% rate on the first $148,269 of income.
2026 Canadian Federal Income Tax Brackets
| Rate | Income Range |
|---|---|
| 15% | $0 – $58,523 |
| 20.5% | $58,524 – $117,045 |
| 26% | $117,046 – $161,689 |
| 29% | $161,690 – $258,482 |
| 33% | $258,483+ |
BPA (2026): $16,452. Single bracket set — no separate married/single rates. Source: CRA T4032.
CPP and EI Rates 2026
| Contribution | Rate | Max Earnings | Max Employee |
|---|---|---|---|
| CPP | 5.95% | $74,600 (YMPE) | ~$4,230 |
| CPP2 | 4.00% | $85,000 (YAMPE) | ~$416 |
| EI | 1.63% | $68,900 (MIE) | ~$1,123 |
| QPP (QC) | 6.40% | $74,600 (YMPE) | ~$4,550 |
| QPIP (QC) | 0.494% | $103,000 | ~$509 |
| EI – QC | 1.30% | $68,900 (MIE) | ~$896 |
Employers match CPP/QPP at 1:1 and EI at 1.4× the employee premium.