2026 tax year (1 January – 31 December 2026)
Salary after tax
Your salary as a skyscraper
Each floor is a slice of your yearly salary with its own tax rate. Blue is what you keep from that floor; red goes to tax and yellow to contributions. Your marginal rate applies only to the top floor, the next slice of pay you earn. A raise adds floors on top, and the floors below keep their rates.
Yearly amounts. Hover or tap a floor for its numbers. Very thin slices are merged into the floor below; the Marginal rate tab lists every threshold.
Breakdown by pay period
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Your marginal tax rate
Marginal rate is the share of your next unit of salary that goes to tax and payroll deductions. Average rate is the share of your whole salary that does.
Tax brackets apply only to the slice of income that falls inside each one. Moving into a higher bracket raises the rate on the extra income only; everything below keeps its lower rates. That is why the average rate climbs slowly behind the marginal rate.
The marginal rate also moves when a payroll contribution reaches its yearly ceiling (it falls), when an allowance or credit is phased out (it rises), or when a levy phases in.
- Marginal rate
- Average rate
- Your salary
Where your marginal rate changes
Take-home pay at other salaries
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How this is calculated
Rules, rate tables, what's not included, and official sources
- CPP (or QPP in Québec) is charged on earnings between the $3,500 basic exemption and the $74,600 ceiling, and CPP2/QPP2 at 4% on earnings from $74,600 to $85,000.
- EI premiums are charged on insurable earnings up to $68,900 (1.63%, or 1.30% in Québec, where QPIP premiums of 0.43% on up to $103,000 also apply).
- The enhanced part of CPP/QPP and all CPP2/QPP2 contributions are deducted from income before tax; the base part earns a tax credit instead.
- Federal tax applies the brackets below, less non-refundable credits at 14% for the basic personal amount, the Canada employment amount, base CPP/QPP, EI and QPIP. The federal basic personal amount falls from $16,452 to $14,829 as income rises from $181,440 to $258,482.
- Provincial or territorial tax applies that jurisdiction's brackets, less credits at its lowest rate for its basic personal amount, base CPP and EI.
- Ontario adds its surtax (20% of basic Ontario tax over $5,818 plus 36% over $7,446) and the Ontario Health Premium (up to $900).
- Québec residents receive the 16.5% federal abatement, and Québec tax allows the deduction for workers (6% of employment income, up to $1,450).
| Taxable income | Rate |
|---|---|
| Up to $58,523 | 14% |
| $58,523 – $117,045 | 20.5% |
| $117,045 – $181,440 | 26% |
| $181,440 – $258,482 | 29% |
| Over $258,482 | 33% |
| Province / territory | Lowest rate | Top rate | Top rate starts at | Basic personal amount |
|---|---|---|---|---|
| Alberta | 8% | 15% | $370,220 | $22,769 |
| British Columbia | 5.6% | 20.5% | $265,545 | $13,216 |
| Manitoba | 10.8% | 17.4% | $101,200 | $15,780 |
| New Brunswick | 9.4% | 19.5% | $193,861 | $13,664 |
| Newfoundland and Labrador | 8.7% | 21.8% | $1,141,275 | $11,188 |
| Northwest Territories | 5.9% | 14.05% | $172,346 | $18,198 |
| Nova Scotia | 8.79% | 21% | $157,124 | $11,932 |
| Nunavut | 4% | 11.5% | $181,439 | $19,659 |
| Ontario | 5.05% | 13.16% | $220,000 | $12,989 |
| Prince Edward Island | 9.5% | 20% | $200,000 | $15,000 |
| Québec | 14% | 25.75% | $132,245 | $18,952 |
| Saskatchewan | 10.5% | 14.5% | $155,805 | $20,381 |
| Yukon | 6.4% | 15% | $500,000 | $16,452 |
Every provincial and territorial bracket
| Taxable income | Rate |
|---|---|
| Up to $61,200 | 8% |
| $61,200 – $154,259 | 10% |
| $154,259 – $185,111 | 12% |
| $185,111 – $246,813 | 13% |
| $246,813 – $370,220 | 14% |
| Over $370,220 | 15% |
| Taxable income | Rate |
|---|---|
| Up to $50,363 | 5.6% |
| $50,363 – $100,728 | 7.7% |
| $100,728 – $115,648 | 10.5% |
| $115,648 – $140,430 | 12.29% |
| $140,430 – $190,405 | 14.7% |
| $190,405 – $265,545 | 16.8% |
| Over $265,545 | 20.5% |
| Taxable income | Rate |
|---|---|
| Up to $47,564 | 10.8% |
| $47,564 – $101,200 | 12.75% |
| Over $101,200 | 17.4% |
| Taxable income | Rate |
|---|---|
| Up to $52,333 | 9.4% |
| $52,333 – $104,666 | 14% |
| $104,666 – $193,861 | 16% |
| Over $193,861 | 19.5% |
| Taxable income | Rate |
|---|---|
| Up to $44,678 | 8.7% |
| $44,678 – $89,354 | 14.5% |
| $89,354 – $159,528 | 15.8% |
| $159,528 – $223,340 | 17.8% |
| $223,340 – $285,319 | 19.8% |
| $285,319 – $570,638 | 20.8% |
| $570,638 – $1,141,275 | 21.3% |
| Over $1,141,275 | 21.8% |
| Taxable income | Rate |
|---|---|
| Up to $53,003 | 5.9% |
| $53,003 – $106,009 | 8.6% |
| $106,009 – $172,346 | 12.2% |
| Over $172,346 | 14.05% |
| Taxable income | Rate |
|---|---|
| Up to $30,995 | 8.79% |
| $30,995 – $61,991 | 14.95% |
| $61,991 – $97,417 | 16.67% |
| $97,417 – $157,124 | 17.5% |
| Over $157,124 | 21% |
| Taxable income | Rate |
|---|---|
| Up to $55,801 | 4% |
| $55,801 – $111,602 | 7% |
| $111,602 – $181,439 | 9% |
| Over $181,439 | 11.5% |
| Taxable income | Rate |
|---|---|
| Up to $53,891 | 5.05% |
| $53,891 – $107,785 | 9.15% |
| $107,785 – $150,000 | 11.16% |
| $150,000 – $220,000 | 12.16% |
| Over $220,000 | 13.16% |
| Taxable income | Rate |
|---|---|
| Up to $33,928 | 9.5% |
| $33,928 – $65,820 | 13.47% |
| $65,820 – $106,890 | 16.6% |
| $106,890 – $142,520 | 17.62% |
| $142,520 – $200,000 | 19% |
| Over $200,000 | 20% |
| Taxable income | Rate |
|---|---|
| Up to $54,345 | 14% |
| $54,345 – $108,680 | 19% |
| $108,680 – $132,245 | 24% |
| Over $132,245 | 25.75% |
| Taxable income | Rate |
|---|---|
| Up to $54,532 | 10.5% |
| $54,532 – $155,805 | 12.5% |
| Over $155,805 | 14.5% |
| Taxable income | Rate |
|---|---|
| Up to $58,523 | 6.4% |
| $58,523 – $117,045 | 9% |
| $117,045 – $181,440 | 10.9% |
| $181,440 – $500,000 | 12.8% |
| Over $500,000 | 15% |
Not included
- Provincial low-income tax reductions (for example the Ontario Tax Reduction and B.C. tax reduction), so tax on incomes below roughly $30,000 may be overstated.
- RRSP contributions, union dues, childcare, spousal, age, disability and other credits or deductions.
- Refundable benefits paid separately, such as the GST/HST credit and the Canada Workers Benefit.
Employers also pay CPP/QPP contributions equal to the employee's, and EI premiums at 1.4 times the employee rate.
Sources
- Canada Revenue Agency — tax rates and income brackets (2026)
- CRA — T4127 Payroll Deductions Formulas, 122nd edition (January 2026)
- CRA — T4032-ON Payroll Deductions Tables, Ontario (2026)
- CRA — T4032-QC Payroll Deductions Tables, Québec (2026)
- Finances Québec — Parameters of the Personal Income Tax System for 2026
Rates last checked against these sources on 2026-09-30.