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.
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.
What this calculator does
Estimate Canadian federal income tax for 2025 or 2026 from CRA brackets and the basic personal amount credit. Optionally add RRSP-type deductions and your own flat provincial or territorial rate.
You enter taxable income, tax year, add your own deductions or additions and extra taxable income (bonus, commission, side income) and a few other details, and the canada federal income tax calculator shows the answer along with the working, so you can check it or try other numbers.
The page shows the formula, a numeric worked example, and the assumptions that affect this tax calculation.
Inputs and what they mean
- Taxable income
- — Net income after deductions such as RRSP.
- Tax year
- — choice value.
- Add your own deductions or additions?
- — choice value.
- Extra taxable income (bonus, commission, side income)
- — Added to the income above before tax is worked out.
- Extra taxable income as % of the income above
- — For example a bonus quoted as a percentage of salary.
- Deductions not already subtracted (RRSP, FHSA, etc.) (amount)
- — Only enter deductions you have not already taken off the taxable income above.
- Deductions not already subtracted (RRSP, FHSA, etc.) (% of income incl. extra)
- — Only enter deductions you have not already taken off the taxable income above.
- Provincial or territorial tax — your flat rate
- — Optional. Provincial brackets and credits are not modelled, so enter the effective rate you expect.
How to use it
- Enter each value in the unit shown next to the box (use the unit converter first if your numbers are in other units).
- Check the breakdown to see every intermediate step.
- Read the limitations before relying on the result.
Formula
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.
Worked example
Taxable income of $80,000
- 57,375 × 14.5% = 8,319.38; (80,000 − 57,375) × 20.5% = 4,638.13.
- Tax before credits = $12,957.50.
- Credit = 16,129 × 14.5% = 2,338.71.
- Federal tax = 12,957.50 − 2,338.71 = $10,618.80.
Reading the result
The headline figure is the main answer. Any breakdown underneath shows the parts that make it up, so you can check the working and see what changes when you adjust an input.
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.
Reference: Canada Revenue Agency
Last reviewed:
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.
Sources
Method based on Canada Revenue Agency.
Cite this page
Free Calculator. (2026, November 12). Canada Federal Income Tax Calculator. https://freecalculator.tech/tools/canada-income-tax-calculator
"Canada Federal Income Tax Calculator." Free Calculator, 12 Nov. 2026, https://freecalculator.tech/tools/canada-income-tax-calculator.
Canada Federal Income Tax Calculator — Free Calculator, https://freecalculator.tech/tools/canada-income-tax-calculator
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