Tax and benefits

Take-home estimate

Estimate what is left from 2026 employment, pension, or RRIF income after federal tax, provincial or territorial tax, and employee CPP, QPP, EI, and QPIP. The math runs in your browser. Nothing you type is sent or saved.

Figures last checked against official sources on 27 October 2026.

2026 rates, basic personal amount only
Not a paycheque and not a tax return
OAS recovery is shown apart from take-home

Province or territory Where you live on December 31, 2026. Quebec uses its own tax, QPP, and QPIP.

Type of income Employment Pension or RRIF Pension and RRIF income is not charged employee CPP, QPP, EI, or QPIP here.

How you enter the amount Annual Monthly A monthly amount is multiplied by 12. This is one year, not one pay period.

Amount Employment income, or the pension or RRIF amount you want taxed. No deductions are subtracted first.

Age band Under 65 65 to 74 75 or older Used only for the OAS recovery line and the GIS cutoff check. It does not add the age amount.

Your estimate

Estimated amount left

Breakdown for the year. OAS recovery is not in this table.
Line	Amount

OAS recovery and GIS check

What this estimate includes

It taxes the amount you type as if that were your only taxable income for 2026. Each rate applies up to the published bracket. The only non-refundable credit is the basic personal amount, multiplied by the lowest rate. Federal and Yukon amounts shrink between $181,440 and $258,482. Manitoba's amount shrinks between $200,000 and $400,000.

For employment income it subtracts the employee CPP contribution, or QPP in Quebec, including the second additional contribution. It also subtracts employee EI. In Quebec it uses the lower EI rate and adds QPIP. Pension and RRIF income skips those four.

In Quebec, federal tax is reduced by the 16.5% abatement of basic federal tax. Quebec tax uses Revenu Québec brackets and the $18,952 basic amount.

In Ontario it adds the surtax and the health premium, then subtracts the basic $300 tax reduction. Dependants are not counted, so the reduction is not increased.

From age 65 it also shows an OAS recovery estimate and a single-person GIS cutoff check. Neither one changes the take-home number. The recovery uses the OAS clawback calculator rules. It treats your typed amount as 2026 net world income. Recovery would come off OAS from July 2027 to June 2028. The 2026 upper limits are still estimates. The OAS amount uses the current quarter's maximum for a full pension with no deferral, so the full-clawback line can differ from canada.ca by a few thousand dollars.

What it leaves out

Spouse or common-law partner amount, eligible dependant, and children. There is no Canada child benefit estimate. The benefit depends on each child's age and last year's family income.
Disability tax credit, age amount, pension income amount, and Canada employment amount.
RRSP contributions, union dues, child care, and other deductions. Quebec's deduction for workers, up to $1,450 in 2026, is not subtracted.
The part of CPP or QPP that is a deduction, and the part that is a credit. Tax here can be a little high because of that.
Self-employment. Those CPP and QPP rates are about double, and EI is different.
Provincial low-income reductions outside Ontario, British Columbia's tax reduction, and sales-tax credits.
The choice to stop CPP from age 65 to 70, and the stop at age 70. This page still calculates employee CPP or QPP on employment income.
A spouse's income. The GIS line is only the single-person cutoff. It is not a GIS payment.

Payroll tables can differ. They round some brackets, and in 2026 they use a mid-year catch-up for British Columbia (6.14% instead of 5.6% on the first bracket) and Newfoundland and Labrador ($15,000 instead of the $13,094 basic amount). This page uses the return rates and the $13,094 amount. A lump-sum RRIF withdrawal can also be withheld at 10%, 20%, or 30%, which is not this annual estimate.

Official figures

Figures last checked against official sources on 27 October 2026. Each constant is stored in data/take-home-rules.json with its source. OAS thresholds stay in the OAS rules file and are not copied here.

Headline amounts used on this page.
Figure	Amount	Source
Federal tax	14% to $58,523, then 20.5%, 26%, 29%, and 33% over $258,482	CRA rates for 2026. Page dated 2026-06-25.
Federal basic personal amount	$16,452, down to $14,829	T4127, January 2026
Other basic amounts	Alberta $22,769. British Columbia $13,216. Manitoba $15,780. New Brunswick $13,664. Newfoundland and Labrador $13,094. Northwest Territories $18,198. Nova Scotia $11,932. Nunavut $19,659. Ontario $12,989. Prince Edward Island $15,000. Quebec $18,952. Saskatchewan $20,381. Yukon matches the federal amount.	T4127 January 2026, except Newfoundland and Labrador from the July 2026 edition, and Quebec from TP-1015.F-V (2026-01).
Employee CPP	5.95% between $3,500 and $74,600, maximum $4,230.45. Then 4% to $85,000, maximum $416.	CPP contributions
Employee EI	1.63% to $68,900, maximum $1,123.07. In Quebec, 1.30%, maximum $895.70.	EI rates and maximums
Employee QPP	6.30% between $3,500 and $74,600, maximum $4,479.30. Then 4% to $85,000, maximum $416.	Revenu Québec QPP
Employee QPIP	0.430% to $103,000, maximum $442.90	Revenu Québec QPIP
Quebec abatement	16.5% of basic federal tax	T4127, January 2026
Ontario surtax and health premium	20% of basic Ontario tax over $5,818, plus 36% over $7,446. Health premium from $0 to $900 by income.	T4127, January 2026
GIS, single person	Income under $23,112 for October to December 2026 payments. Published maximum $1,138.90 a month. This page does not pay that amount out in the estimate.	GIS amounts. Page modified 2026-10-13.

Brackets used

The table is filled from the saved rules when JavaScript runs. The same federal and provincial brackets are on the CRA rates page. Quebec brackets are in the Revenu Québec guide linked above.

2026 brackets in this estimate. Each rate applies up to the amount shown.
Jurisdiction	Up to	Rate

Questions

Is this the amount on my paycheque?

No. It is a one-year estimate using 2026 return rates. A paycheque uses payroll tables, which can round brackets and, in 2026, catch up a mid-year change in British Columbia and Newfoundland and Labrador. It also depends on your claim code and pay frequency.

Which credits are included?

Only the basic personal amount. Ontario also has its surtax, health premium, and the basic $300 tax reduction. Spouse, children, disability, age, pension income, and employment credits are not included.

Why does Quebec look different?

Quebec sets its own income tax. Federal tax is cut by a 16.5% abatement. Employees pay QPP instead of CPP, a lower EI rate, and QPIP. The Quebec deduction for workers is not applied, so Quebec tax can look a bit high.

Is the OAS clawback taken off the take-home amount?

No. Take-home is the typed income minus tax and payroll deductions. OAS recovery is a separate line. It is an estimate of tax that would reduce OAS later, and only if the typed amount were your net world income. Net world income includes OAS and other income. It is not the same number as salary.

Is this official?

No. It is an unofficial estimate for education, not advice, and not from the CRA, Revenu Québec, or Service Canada. Your return, your pay statement, and your benefit letter are what count. Figures can change.

Disclaimer

This tool gives a general estimate for education only. It is not tax, legal, or financial advice and is not from the Government of Canada, the CRA, Revenu Québec, or Service Canada. Check those sources or a qualified professional before you make a decision. Figures can change. See the date and sources above. Read the about page, the disclaimer, and the privacy policy.