Canada Federal take-home pay — tax year 2026

Federal income tax + CPP + EI, computed from official CRA and Service Canada data for a single filer with the basic personal amount. Federal only — provincial / territorial tax not modeled.

For tax year 2026, a single filer with the basic personal amount of $16,129 pays federal income tax at marginal rates of 15%, 20.5%, 26%, 29%, and 33% (the 33% bracket starts at $253,414). On top of income tax, employees pay 5.95% CPP on income from $3,500 to $71,300 (the 2026 YMPE), plus 1.66% EI on insurable earnings up to the MIE.

Single filer, full-year Canadian tax resident, federal tax only (no provincial/territorial tax), no dependents, no credits, no RRSP or TFSA deductions modeled.

Gross annual income (CAD)

Quick examples

Remember on this device

What this calculator assumes and excludes

Modeled scenario

Single filer, full-year Canadian tax resident, federal tax only (no provincial/territorial tax), no dependents, no credits, no RRSP or TFSA deductions modeled.

Excluded by design

State, provincial, municipal, or local income taxes (separate calculators per jurisdiction).
Capital gains, dividend, rental, or investment income.
Self-employment tax, contractor structures, employer-side payroll taxes.
Pre-tax elections like 401(k), HSA, or FSA contributions.
Tax credits beyond standard deductions, education credits, EITC, AMT, and most phaseouts.
Tax treaties, foreign-earned-income exclusion, or residency-rule changes.
Married filing jointly / dependents / household-specific allowances (where the modeled scenario does not include them).

See the assumptions page for the full model description and methodology for how the engine works.

At a glance — 2026

Jurisdiction: Canada (federal only — no provincial/territorial tax)
Tax year: 2026 (returns filed by 30 April 2027)
Filing status modeled: Single
Basic personal amount: $16,129
Lowest marginal rate: 15%
Highest marginal rate: 33% (over $253,414)
Currency: Canadian Dollar (CAD)
Data release: ca-fed-2026.1
Last reviewed: 2026-09-28

Federal income tax brackets — 2026 single filer

These are the official figures from the CRA General Income Tax and Benefit Package, Schedule 1 — federal tax rates applied to taxable income after the basic personal amount.

Progressive brackets — tax is computed band by band
Rate	Taxable income band (CAD)	Source
15%	$0 – $57,375	`ca-fed-2026-bracket-15`
20.5%	$57,375 – $114,750	`ca-fed-2026-bracket-20-5`
26%	$114,750 – $177,882	`ca-fed-2026-bracket-26`
29%	$177,882 – $253,414	`ca-fed-2026-bracket-29`
33%	$253,414 – and above	`ca-fed-2026-bracket-33`

Employee contributions and caps

Mandatory employee-side payroll taxes — modeled in this calculator
Contribution	Rate	Cap	Source
CPP (employee)	5.95%	$71,300 (cap)	`ca-fed-2026-cpp-rate`
EI (employee)	1.66%	$66,600 (cap)	`ca-fed-2026-ei-rate`

Three worked examples

Canada federal take-home — tax year 2026, single filer
Profile	Gross	Federal tax	CPP	EI	Net annual	Effective rate
Median individual earner	$55,000	$5,831	$1,989	$1,989	$45,192	17.8%
Solid middle class	$85,000	$10,963	$2,570	$2,570	$68,897	18.9%
High earner (just over top bracket)	$250,000	$53,019	$2,570	$2,570	$191,841	23.3%

What is and is not modeled

Modeled

Federal progressive brackets (15% / 20.5% / 26% / 29% / 33%)
Basic personal amount ($16,129 for 2026)
Canada Pension Plan employee contribution (5.95%, capped at YMPE)
Employment Insurance employee premium (1.66%, capped at MIE)

Not modeled

Provincial and territorial income tax (Ontario, Quebec, BC, Alberta, etc. — separate calculators per province)
Quebec Parental Insurance Plan premiums (Quebec administers its own)
Working Income Tax Benefit, GST/HST credit, Canada Child Benefit
RRSP contributions and deductions
TFSA, RESP, RDSP withdrawals
Capital gains, dividend tax credit, foreign income
Self-employment CPP/EI
Indigenous tax exemptions (varies by individual)

Sources

CRA General Income Tax and Benefit Package — federal brackets and BPA for 2026
Service Canada CPP contribution rates — 5.95% employee rate, YMPE $71,300
Service Canada EI premium rates — 1.66% employee rate, MIE for 2026

Each fact record carries a fact_id that ties the calculator output back to the originating primary source. See methodology for the audit trail.

Frequently asked questions

Why is the calculator federal-only?

Canada has 13 provinces and territories, each with its own brackets, surtaxes, and credits. Adding provincial tax requires separate data files per province, with its own primary-source research. The federal baseline is the common starting point. Provincial calculators will ship in future batches (per the Batch 1 plan §13 priority list).

How do I add provincial tax?

Run the calculator for federal tax, then apply your province's combined top marginal rate as a quick estimate: Ontario ~9.15% / ~11.16% / ~12.16% / ~13.16% / ~15.16% / ~17.16%, Quebec ~19.7% / ~24.7% (after federal abatement), BC ~5.06% / ~7.7% / ~10.5% / ~12.29% / ~14.7% / ~16.8% / ~20.5%, Alberta ~10% flat, Saskatchewan ~10.5% / ~12.5%, Manitoba ~10.8% / ~12.75%, and so on. The provincial bottom bracket is usually added on top of income above the federal BPA — verify with the province's tax calculator or tax software before relying on the figure.

What about Quebec?

Quebec residents file a separate Quebec provincial return (TP-1) in addition to the federal T1, and pay Quebec Pension Plan (QPP) premiums instead of CPP, and Quebec Parental Insurance Plan (QPIP) premiums instead of federal EI. The calculator does not yet model QPP or QPIP.

Does the calculator include RRSP deductions?

No. RRSP contributions reduce taxable income for federal (and provincial) tax, but the deduction depends on individual contributions. The calculator is a clean baseline; deduct your RRSP contribution on Form T1 Schedule 7.

What about GST/HST credits?

The GST/HST credit is a quarterly refundable tax credit for low- and middle-income households. It is calculated separately from income tax and not modeled here. Check your CRA My Account for the quarterly amount.

Why are the CPP and EI shown together but split on the calculator?

For display they are aggregated into "Employee contributions." The underlying engine computes them separately; the audit trace shows each line item with its own rate and cap.