Canada Financial Calculators
2 calculators ยท reported in CAD
Calculators built around Canada's own rules. The relevant authority is CRA (Canada Revenue Agency). Every tool runs entirely in your browser, so the numbers you type are never uploaded.
Canada calculators
Canada Take-Home Pay Calculator (2026)
Estimate net pay after federal and provincial tax, CPP/CPP2, EI premiums and RRSP contributions for Ontario, BC and Alberta.
RRSP vs TFSA Calculator (Canada 2026)
Compare an RRSP and a TFSA using your 2026 federal and provincial marginal tax rate today and in retirement, with the tax refund, break-even rate and after-tax result in today's dollars.
Tax facts at a glance
- The 2026 federal lowest bracket is 14%, paired with a 14% credit on the $16,452 basic personal amount.
- CPP is 5.95% on pensionable earnings between $3,500 and $74,600 in 2026.
- CPP2 adds 4% on earnings between $74,600 and $85,000.
- EI premiums are 1.63% of insurable earnings up to $68,900, a maximum of $1,123.07.
- Ontario, British Columbia and Alberta each layer provincial brackets and credits on top.
Figures reflect the published rates for the current tax year and are estimates rather than filing advice on their own.
Frequently asked questions
Which provinces are supported?
Ontario, British Columbia and Alberta are modelled with their 2026 provincial bracket rates. Provincial credits, surtaxes and health premiums are not included, and other provinces use a federal-only mode.
What is CPP2?
CPP2 is the second additional CPP contribution of 4% on earnings between the $74,600 year's maximum pensionable earnings and the $85,000 upper limit for 2026.
Are RRSP contributions included?
Yes, you can enter a contribution percentage and it reduces taxable income before federal and provincial tax are applied.
These calculators provide planning estimates, not tax advice. Verify every figure with the official guidance published by CRA (Canada Revenue Agency) before you file or sign a contract.
Explore other countries
Request a calculator:contact@smartpaycalc.com