# Canada Federal Income Tax Calculator

> Estimate 2025 or 2026 Canadian federal income tax from CRA brackets and the basic personal amount, with an optional provincial rate.

Page: https://freecalculator.tech/tools/canada-income-tax-calculator
Last reviewed: 2026-11-12

## How do I estimate my 2026 federal income tax in Canada?

Apply the 2026 federal brackets (14% up to $58,523, then 20.5%, 26%, 29% and 33%) to taxable income, then subtract 14% of the basic personal amount of up to $16,452.

## Formula

Federal tax = brackets for the selected year − lowest rate × basic personal amount. 2026: 14% to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, 33% above; BPA $16,452 tapering to $14,829. 2025: 14.5% to $57,375, 20.5% to $114,750, 26% to $177,882, 29% to $253,414, 33% above; BPA $16,129 tapering to $14,538.

- Rates, brackets and basic personal amount for 2025 and 2026 from the Canada Revenue Agency. The 2025 lowest rate is a blended 14.5% because it fell from 15% to 14% on 1 July 2025; 2026 uses 14% for the full year.
- Provincial or territorial tax is only included at the flat rate you enter; real provincial brackets and credits are not modelled.
- Only the basic personal amount credit is applied; CPP/EI, Canada employment and other credits are not.
- Federal tax = brackets for the selected year − lowest rate × basic personal amount. 2026: 14% to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482, 33% above; BPA $16,452 tapering to $14,829. 2025: 14.5% to $57,375, 20.5% to $114,750, 26% to $177,882, 29% to $253,414, 33% above; BPA $16,129 tapering to $14,538.
- Inputs used: Taxable income, Tax year, Add your own deductions or additions?, Extra taxable income (bonus, commission, side income), Extra taxable income as % of the income above, Deductions not already subtracted (RRSP, FHSA, etc.) (amount), Deductions not already subtracted (RRSP, FHSA, etc.) (% of income incl. extra), Provincial or territorial tax — your flat rate.

## Inputs

- Taxable income
- Tax year
- Add your own deductions or additions?
- Extra taxable income (bonus, commission, side income)
- Extra taxable income as % of the income above
- Deductions not already subtracted (RRSP, FHSA, etc.) (amount)
- Deductions not already subtracted (RRSP, FHSA, etc.) (% of income incl. extra)
- Provincial or territorial tax — your flat rate

## Worked example: Taxable income of $80,000

Tax year 2025, federal only, no adjustments.
1. 57,375 × 14.5% = 8,319.38; (80,000 − 57,375) × 20.5% = 4,638.13.
2. Tax before credits = $12,957.50.
3. Credit = 16,129 × 14.5% = 2,338.71.
4. Federal tax = 12,957.50 − 2,338.71 = $10,618.80.

## Common questions

### How do I estimate my 2026 federal income tax in Canada?

Apply the 2026 federal brackets (14% up to $58,523, then 20.5%, 26%, 29% and 33%) to taxable income, then subtract 14% of the basic personal amount of up to $16,452.

### Can I estimate my 2026 Canadian tax?

Yes. Pick 2026 to use the CRA's 2026 brackets (14% to $58,523) and basic personal amount of up to $16,452; 2025 is also available.

### Why is the 2025 lowest rate 14.5%?

The federal rate fell from 15% to 14% on 1 July 2025, so the CRA uses a blended 14.5% for the 2025 year. From 2026 it is 14%.

### Does it include provincial tax?

Not built in — each province and territory has its own brackets and credits. Switch on your own deductions and additions to enter a flat provincial rate.

### What income should I enter?

Taxable income — employment and other income minus deductions such as RRSP contributions. If you haven't subtracted them yet, enter them as deductions instead.

### How do I use the Canada Federal Income Tax Calculator?

Enter the required values for Taxable income, Tax year, Add your own deductions or additions?, Extra taxable income (bonus, commission, side income), Extra taxable income as % of the income above, and the other fields shown. The calculator applies the formula on this page and shows the main result with any supporting breakdown so you can check the arithmetic.

## Limitations and assumptions

- Tax years 2025 and 2026 only.
- Federal tax only; provincial or territorial tax only at the flat rate you enter.
- Only the basic personal amount credit is applied.
- Not tax advice.
- Estimates from official published rates for the selected tax year only. Credits, reliefs and regional taxes are ignored unless you enter them yourself. Not tax advice — check with a qualified tax professional.

## Sources

- Canada Revenue Agency — https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html

## Cite this page

- APA: Free Calculator. (2026, November 12). Canada Federal Income Tax Calculator. https://freecalculator.tech/tools/canada-income-tax-calculator
- MLA: "Canada Federal Income Tax Calculator." Free Calculator, 12 Nov. 2026, https://freecalculator.tech/tools/canada-income-tax-calculator.
- Link: Canada Federal Income Tax Calculator — Free Calculator, https://freecalculator.tech/tools/canada-income-tax-calculator