Canadian Tax Calculators
193 free calculators for federal and provincial taxes, CPP, EI, RRSP, retirement income, corporate tax, equity compensation, capital gains, cross-border, and more. All provinces and territories, 2024, 2025 & 2026 tax years.
Income & Pay
Income Tax Calculator
Federal and provincial income tax breakdown for all provinces.
Take-Home Pay Calculator
Net pay after income tax, CPP, EI, RRSP, and student loan payments.
Bonus Tax Calculator
Tax on a one-off bonus: income tax, CPP, and EI deductions.
Salary Converter
Convert between annual, monthly, bi-weekly, weekly, and hourly pay.
Severance Tax Calculator
Tax on retiring allowances: withholding rates, marginal tax, and RRSP rollover.
Tax Refund Estimator
Compare tax withheld against actual tax owed for refund or balance.
Quick Refund Estimator (3-step wizard)
TaxCaster-style 3-step wizard — no T4 needed, auto-estimates withholding from income + credits.
CRA Late-Filing Penalty Calculator
Late-filing penalty (5% + 1%/month) and arrears interest (7%) if you miss April 30.
Province Tax Comparison
Compare tax burden across all 13 provinces and territories side by side.
Minimum Wage in Canada
Current minimum wage in every province and territory, with the scheduled increases.
Province Move Tax Calculator
Compare total tax burden across all 13 provinces, Dec 31 residency rule
CPP, EI & Benefits
Payroll Deductions Calculator
CPP, EI, and income tax per pay period with YTD tracking and employer cost.
CPP & EI Calculator
CPP1, CPP2 contributions and EI premiums for employees and self-employed.
CPP2 Calculator
Second-tier CPP contributions on income from $71,300 to $81,200 at 4.0%
CPP & EI Maximums 2026
YMPE, CPP2, and EI contribution ceilings for 2026 vs 2025, plus Quebec QPP/QPIP
EI Benefits Calculator
Estimate weekly EI benefits — regular, sickness, maternity, and parental — with family supplement.
EI Sickness Benefits Calculator
Estimate 2026 weekly EI sickness benefits, total weeks and the 600-hour eligibility threshold.
Record of Employment Canada
Check whether an interruption of earnings occurred and when an electronic or paper ROE is due.
Student Loan Calculator
Monthly payment impact on take-home pay; RAP eligibility check.
Self-Employment Tax
Income tax, double CPP, and quarterly installment estimates.
Self-Employed Tax Buffer
Monthly sweep % covering federal+provincial tax, CPP both halves, and GST/HST
Home Office Expense Calculator
T777 + T2125 deductions for salaried, commission, and self-employed workers.
T2200 Eligibility Calculator
Screen the CRA employer, expense and work-space conditions before completing T777
T2125 Business Income Calculator
Build a net business income summary from sales, current expenses, ITCs and CCA
Small Business Expense Deductions
Connect vehicle, CCA, home-office and self-employed expense calculations
Capital Cost Allowance Calculator
Maximum CCA, closing UCC, recapture and terminal loss for common classes
Vehicle Expense Deduction
Actual vehicle costs prorated by business kilometres with allowance comparison
Moving Expenses Deduction
Line 21900 estimate with the 40-km test, expense limits and carryforward
Commission Payroll
Incremental income tax, CPP/QPP, EI and QPIP attributable to commission income
Employer Payroll Cost
Salary plus employer CPP/QPP, EI, QPIP, benefits and workers’ compensation
Quebec Payroll
Quebec net pay with QPP, QPP2, reduced EI, QPIP and two income taxes
Pension Payroll Deductions
Suggested income-tax withholding per pension payment with other retirement income
Federal Public Service Pay Calculator
Government of Canada AS-01 to AS-07 salary and 2026 take-home after pension, tax, CPP/QPP and EI.
Savings & Investments
RRSP Tax Savings
RRSP contribution deductions and contribution room.
RRSP Contribution Room
18% × prior-year earned income + carry-forward, with PA/PSPA/PAR adjustments and over-contribution penalty.
TFSA Calculator
Cumulative contribution room, growth projections, and tax-free savings.
TFSA Contribution Room
Calculate your exact 2026 room with over-contribution penalty detection.
Capital Gains Tax
50% inclusion rate capital gains tax with LCGE.
Capital Gains Reserve (T2017)
Spread a capital gain over 5 years (standard) or 10 years (QFFP/QSBCS family transfer) with year-by-year tax breakdown.
Dividend Tax
Eligible and non-eligible dividends with gross-up and dividend tax credits.
FHSA Calculator
First Home Savings Account contributions, tax savings, and growth projections.
First-Home Combined Planner
Stack FHSA + HBP + HBA on one page — total $101k tax-advantaged first-home capacity.
RESP Calculator
Education savings with CESG government grants — project growth to university.
RESP Withdrawal Calculator
Split taxable EAP from contribution returns, check EAP limits and estimate student tax
RESP vs TFSA
Education costs in RESP (CESG match) vs your own TFSA (flexibility)
RRSP vs TFSA Decision Tool
Layered verdict + projection chart with refund-reinvest math and break-even retirement marginal rate; all 13 provinces
RRSP vs TFSA
Tax deduction in / taxed out vs after-tax in / tax-free out — worked examples by income
Home Buyers' Plan (HBP)
$60,000 RRSP withdrawal, 15-year repayment, missed-payment tax impact
FHSA vs HBP
Stack first-home plans for $200k tax-advantaged capacity per couple
RDSP Grant & Bond
Estimate 2026 disability savings grant and bond using income and contribution
RDSP Carry-Forward
Plan a catch-up contribution across up to 10 years of unused entitlements
RDSP Withdrawal Repayment
Estimate the $3-for-$1 grant and bond repayment under the 10-year rule
Principal Residence Exemption
PRE formula with +1 bonus year and 365-day flipping rule (T2091)
Deemed Disposition at Death
Final-return tax on death: cap gains + PRE + RRSP inclusion + probate, with spousal rollover comparison
Probate Fees Calculator Canada
Probate and estate administration fees for all provinces and territories
Tax-Advantaged Savings Guide
RRSP vs TFSA vs FHSA vs RESP — contribution room, tax treatment, and which account to fill first
Crypto Tax Calculator
Crypto capital gains with ACB (weighted average), superficial loss rule, and staking income.
Compound Interest Calculator
Compare TFSA, RRSP, and non-registered account growth with tax impact.
Savings Goal Calculator
Years or monthly contribution needed to hit a target — after-tax across TFSA, RRSP, non-registered.
Inflation Calculator
StatCan CPI adjustments, salary erosion, and provincial bracket creep for all 13 provinces.
Net Worth Calculator
Track assets, debts and tax-advantaged % with TFSA/RRSP/RESP optimisation tips.
Retirement
Retirement Income Calculator
CPP, OAS, RRSP/RRIF, and TFSA combined — monthly take-home and OAS clawback.
RRSP Withdrawal Tax
Withholding tax and actual tax on a single RRSP withdrawal.
Spousal RRSP Calculator
Contribution splitting with income-splitting deduction and attribution rules
RRSP Meltdown Calculator
Plan multi-year RRSP withdrawals before age 71 to smooth tax brackets and cut lifetime tax vs a forced-RRIF lump.
LIF Withdrawal Calculator
Work out your Life Income Fund minimum and maximum annual withdrawal by age and province, plus the tax on what you take.
CPP & OAS Start Age
Compare start ages 60-70, breakeven analysis, cumulative totals.
CPP Post-Retirement Benefit
Calculate PRB when working past 60 while collecting CPP; Form CPT30 breakeven
CPP Survivor Pension
Estimate the 2026 monthly survivor pension before or after age 65
Combined CPP Retirement + Survivor
Estimate combined retirement and survivor CPP with the published monthly cap
CPP Death Benefit
Check the standard and possible additional one-time estate benefit
CPP Survivor & Death Benefits
Guide to survivor, combined CPP, and death-benefit tools and rules
OAS Clawback Calculator
See how OAS Recovery Tax reduces your benefit at every income level.
OAS + GIS Retirement Income
Combined OAS, GIS, CPP, Allowance — by marital category with eligibility check.
RRIF Minimum Withdrawal
CRA prescribed minimum withdrawals by age with balance projection.
RRIF Withdrawal Tax Calculator
RRIF minimum, withholding on the excess and estimated final tax from total income
Retirement Savings Goal
How much to save each year to reach your target retirement income.
Pension Income Splitting
Tax savings from splitting pension income with a spouse.
Retirement Income Projection
Year-by-year projection of CPP, OAS, RRIF, TFSA with target-driven withdrawals.
RRSP to RRIF Conversion Calculator
Find the conversion deadline and estimate the first RRIF minimum using your age or a younger spouse’s age.
Retirement Drawdown Order Calculator
Compare TFSA-first, balanced and registered-first withdrawals with estimated tax and OAS recovery tax.
Public Service Pension Calculator
Estimate the federal lifetime pension, bridge benefit, buyback impact and Group 1 or Group 2 retirement timing.
Public Service Pension Buyback
Understand federal service buyback timing, cost factors, tax limits and the Pension Centre process.
Property & Sales Tax
Property Transfer Tax
Land transfer tax by province — Ontario LTT, BC PTT, Quebec Welcome Tax, Toronto MLTT, and first-time buyer rebates.
Ontario Land Transfer Tax
Ontario LTT and Toronto MLTT with 2026 luxury tiers, plus first-time buyer rebates up to $8,475.
Rental Income Tax
Tax on rental property income with CCA depreciation and expense deductions.
GST/HST Calculator
Add or remove GST, HST, PST, or QST by province.
GST/HST Registration Threshold
$30K rolling 4-quarter test, mandatory registration date, voluntary registration ROI
FTHB GST/HST Rebate Calculator
Federal FTHB rebate (up to $50,000) plus Ontario ENHR (up to $80,000) on a new home from a builder
QST/PST/RST Calculator
Multi-province QC (QST 9.975%), BC (PST 7%), SK (PST 6%), MB (RST 7%)
Quebec QST Calculator
QST (9.975%) + GST (5%) = 14.975% combined Quebec sales tax
BC PST Calculator
BC PST (7%) + GST (5%) forward and reverse mode
Saskatchewan PST Calculator
PST (6%) + GST (5%) = 11% combined on most tangible goods
Manitoba RST Calculator
RST (7%) + GST (5%) on any amount; 8% Insurance Premiums Tax
Property Tax by City
Annual residential mill rates for 50 Canadian cities — Toronto, Vancouver, Calgary, Montreal, Ottawa, plus 5 lowest/highest leaderboard
Personal Finance
Mortgage Calculator
Canadian semi-annual compounding, P&I amortization, CMHC insurance, and balance chart.
Car Loan Calculator
Auto financing with GST/HST/PST by province. Monthly and biweekly payment schedules.
Personal Loan Calculator
Standard P&I amortization with monthly, biweekly, or weekly payments.
Credit Card Payoff Calculator
Minimum vs fixed payment comparison — see how much faster you can be debt-free.
Reverse Salary Calculator
Gross salary needed for your target take-home pay in any province.
Real Estate
Rent vs Buy Calculator
Full cost comparison: mortgage, property tax, appreciation vs renting and investing.
Home Affordability Calculator
GDS (39%) / TDS (44%) with stress test and CMHC insurance.
Mortgage Refinance Calculator
Break-even analysis: penalty + closing costs vs total interest saved.
HELOC Calculator
Home equity line of credit — 65% LTV limit with interest-only payments.
Advanced Tax
AMT Calculator
2024+ Alternative Minimum Tax: 20.5% rate, $177,882 exemption (2025), 7-year carry-forward.
Cross-Border Tax Calculator
US-Canada snowbird and commuter tax with foreign tax credit.
T1135 Foreign Property Calculator
Test the $100,000 cost threshold and Part A versus Part B reporting method
Foreign Tax Credit Calculator
Federal T2209 estimate for foreign non-business and business income
Investment Account Comparison
TFSA vs RRSP vs Non-Registered after-tax returns by asset type.
Credits & Benefits
Tuition Tax Credit Calculator
Calculate the federal and provincial tuition tax credit, transfer up to $5,000 to a parent or spouse, and carry forward unused amounts.
Disability Tax Credit
Federal and provincial DTC amounts, under-18 supplement, and credit transfer to supporting family members.
T2201 DTC Eligibility Calculator
Screen marked restriction, cumulative effect and life-sustaining therapy pathways
Charitable Donation Tax Credit
Tax credits for charitable donations — federal and provincial rates, securities donations, effective cost.
Medical Expense Tax Credit
Federal and provincial credits for eligible medical expenses above the threshold.
Canada Child Benefit
Monthly CCB payment based on family income and number of children.
CCB Shared Custody
Separate 50% CCB calculations using each parent household’s own AFNI
CCB July Recalculation
Compare June and July CCB when CRA switches base-year income and indexed amounts
Canada Workers Benefit (CWB)
CWB basic amount and disability supplement for low-income workers. Includes Alberta-specific amounts.
Canada Disability Benefit
Estimate CDB payments — the new tax-free monthly benefit for working-age Canadians with disabilities.
Disability Benefits & RDSP Savings
Connect DTC eligibility with RDSP grants, catch-up planning and withdrawals
Canada Groceries and Essentials Benefit (CGEB)
Quarterly CGEB from July 2026 — up to $679 single, $890 couples, $234 per child; replaces the GST/HST credit
GST/HST Credit Calculator
Quarterly GST/HST credit for 2025-26 — up to $533 single, $698 couples, $184 per child; phase-out and payment dates
Having a Baby — Tax & Benefits Guide
CCB, EI maternity and parental benefits, QPIP, RESP and the childcare deduction for new Canadian parents.
Business & Corporate
CCPC Owner Tax Planning
Connect shareholder loans, CDA dividends, section 85 rollovers, corporate tax and CRA business registration
Corporation Tax Calculator
CCPC corporate tax with the small business deduction, general rate, and passive income grind. All 13 provinces.
CCPC Dividend vs Salary Calculator
Compare salary vs dividends from your CCPC — total tax, take-home pay, RRSP room, and CPP side by side.
Shareholder Loan Calculator
Estimate the prescribed-interest benefit and screen the one-year principal repayment exception
Capital Dividend Account Calculator
Build a simplified CDA balance and test a proposed T2054 capital dividend election
Section 85 Rollover Calculator
Test a T2057 elected amount and estimate the immediate and deferred capital gain
CRA Business Number Guide
Register, find, maintain or close a nine-digit BN and its RT, RP or RC program accounts
Salary vs Dividend (CCPC)
Owner-manager pay strategy: RRSP room, CPP, TOSI, integration
Sole Prop vs Incorporation
When a Canadian small business should incorporate
Equity Compensation
Equity Compensation Hub
Compare stock options, RSUs, and ESPP — pick the right calculator for your equity plan.
Employee Stock Option Deduction (Canada)
110(1)(d) 50% deduction calc with CCPC + non-CCPC modes and $200k vesting cap.
RSU Tax (Canada)
Tax on RSU vests and post-vest dispositions; withholding-shortfall warning.
ESPP Tax (Canada)
Employee Stock Purchase Plan tax with optional lookback feature.
Capital Gains 2026
Capital Gains 2026 Canada
50% inclusion rate explained + side-by-side mini-calc vs the scrapped 2/3 proposal.
Tax-Loss Selling Calculator
Superficial-loss check + tax savings at marginal rate. 30-day rule under ITA s.40(2)(g)(i).
Lifetime Capital Gains Exemption
LCGE on QSBC + farm/fishing property. CNIL grind + prior-usage tracking.
Cross-Border Canada
Cross-Border Canada Hub
Decision tree across all 4 cross-border scenarios.
Departure Tax (Canada)
Deemed disposition on emigration under s.128.1(4). 50% inclusion + T1161/T1243 triggers.
US Citizens in Canada Tax
Dual-filer estimator with FTC offset. TFSA + FBAR + Form 8938 warnings.
Snowbird SPT Calculator
IRC §7701(b)(3) day-weighting. Form 8840 + treaty tiebreaker triggers.
Canada vs US Tax
CRA against IRS side by side — brackets, CPP against FICA, RRSP against 401(k), GST/HST against sales tax.
Canada vs UK Tax
CRA against HMRC side by side — brackets, CPP against National Insurance, RRSP against pensions, GST/HST against VAT.
Investment Records & Tax Slips
Investment Tax Slips & ACB
Connect T5, T3 and T5008 slips to adjusted cost base, capital gains and loss carrybacks
Adjusted Cost Base Calculator
Track pooled ACB through purchases, sales, commissions and returns of capital
T5008 ACB Reconciliation
Compare a broker T5008 cost amount with your own adjusted cost base records
Capital Loss Carryback Calculator
Allocate a current net capital loss against taxable gains from the prior three years
T5 Slip Guide
Understand Canadian interest and dividend boxes and where they flow on a tax return
T3 Slip Guide
Understand trust allocation boxes for distributions, gains, dividends and return of capital
T5008 Slip Guide
Understand securities transaction proceeds and why the reported cost may not equal ACB
Contribution Errors
Registered Account Overcontribution
Choose the right TFSA, RRSP or FHSA excess-contribution calculator and next filing step
TFSA Overcontribution Penalty
Estimate the 1% monthly TFSA excess amount tax and the effect of removing the excess
RRSP Overcontribution Penalty
Estimate the 1% monthly RRSP excess amount tax after the usual $2,000 cushion
FHSA Overcontribution Penalty
Estimate the 1% monthly FHSA excess amount tax until the excess is eliminated
Family, Parental Leave & Employment Pay
Family Tax Deductions Canada
Plan child care expense deductions and screen for the Canada caregiver credit
Child Care Expense Deduction
Estimate the deductible child care expense limit and approximate federal tax saving
Canada Caregiver Credit
Preliminary screen for the federal caregiver amount based on relationship and dependant income
Child Support Calculator Canada
Federal Child Support Table amount by province, income and number of children (2025 tables)
Parental Leave Benefits Canada
Compare EI and Quebec QPIP leave options, employer top-ups and household cash flow
Parental Leave Income Planner
Compare EI standard or extended benefits and Quebec QPIP with employer top-ups and CCB
Vacation & Holiday Pay Canada
Choose the federal, Ontario, BC, Alberta or Quebec calculator for leave and holiday pay
Vacation Pay Calculator Canada
Estimate minimum vacation pay for federal, Ontario, BC, Alberta and Quebec employees
Statutory Holiday Pay Calculator
Estimate general holiday pay using federal, Ontario, BC, Alberta or Quebec formulas
Payment Dates & CRA Reference
Canada Benefit Payment Dates
2026 Service Canada / CRA benefit payment calendar: CPP, OAS, CCB, GST/HST credit, CGEB, ACWB
CPP Payment Dates 2026
Every 2026 Canada Pension Plan payment date, plus the maximum and average monthly pension
OAS Payment Dates 2026
Old Age Security and GIS payment dates for 2026, the quarterly amount, and the recovery-tax threshold
GST Payment Dates 2026
Quarterly GST/HST credit dates and the mid-year switch to the Canada Groceries and Essentials Benefit
CCB Payment Dates 2026
Every 2026 Canada Child Benefit payment date and the July income-year reset
Ontario Trillium Benefit Payment Dates 2026
Monthly OTB dates, the three Ontario credits inside it, and the lump-sum payment rules
OTB Notice From the CRA, Explained
What an Ontario Trillium Benefit notice means, whether you owe anything, and the OTB text scam
Payroll Remittance Due Dates 2026
CRA quarterly, monthly and accelerated remitter thresholds and due rules
CRA Tax Deadlines Calendar
Every CRA due date for 2026 and 2027: RRSP, T1 April 30, self-employed June 15, quarterly installments
File by April 30 Deadline
T1 filing deadline countdown with the late-filing penalty ladder and the self-employed June 15 exception
CRA Quarterly Tax Instalments
T1033 threshold + 3 CRA methods (no-calc, prior-year, current-year) + s.163.1 penalty
CRA Arrears Interest
Daily compounded interest on an overdue 2026 CRA balance across quarterly rates
CRA Instalment Interest Penalty
Apply the 2026 $1,000 threshold and CRA instalment penalty formula
CRA Notices & Adjustments
Assessment, reassessment, T1 adjustment, objection, interest and penalty paths
Last-Minute Deductions Checklist
Twelve deductions and credits worth checking before you file, from RRSP top-ups to medical expenses and the disability amount
NETFILE vs Paper Filing
Refund timing compared, the certified software list, and when paper filing is still required
Canadian Tax Changes 2026
What changed from 2025 to 2026 side by side — federal bracket rate, basic personal amount, CPP ceilings and the RRSP limit
Canada Tax Brackets 2026
The full federal bracket table plus every province and territory, with basic personal amounts
T4 Slip Box Guide
Every CRA T4 box explained — what it means, where it flows on your T1, and the common filing pitfalls
T4RSP Slip Box Guide
Every T4RSP box explained — withdrawals, refund of premiums, LLP and HBP repayments, transfers and tax withheld, with the T1 line each one feeds
Canadian Tax Slips Guide
Choose the right guide for employment, benefit, retirement, tuition, investment, partnership and non-resident slips
T4E Slip Guide
Employment Insurance benefits, tax withheld and repayment information
T4RIF Slip Guide
RRIF income, tax withheld, transfers and death-related amounts
NR4 Slip Guide
Canadian-source income and withholding reported for a non-resident
T2202 Tuition Slip Guide
Eligible tuition, enrolment months, Schedule 11, transfers and carryforward
T5013 Partnership Slip Guide
Partnership income, loss, investment, capital and foreign allocations
T5018 Contract Payment Slip Guide
Construction contract payments and gross-revenue reconciliation
CA Tax Research
Original Canadian tax analysis — bracket creep, OAS clawback, CPP2 cost
Tax Years & Provinces
All calculators support 2024, 2025 and 2026, covering all 13 Canadian provinces and territories with current CRA rates.
Frequently asked questions
Are CA Tax Tools calculators free to use?
Yes. Every calculator on this site is free, no sign-up, no email required. We are funded by privacy-respecting display ads — see our about page.
Which Canadian tax years do these calculators support?
All calculators support the 2024, 2025, and 2026 federal tax years, with provincial brackets and surtaxes for all 13 provinces and territories. Quebec uses the Revenu Québec separate-return system.
Where do the tax rates come from?
All federal rates and thresholds come from the Canada Revenue Agency (CRA). Provincial figures come from each province's Department of Finance and the CRA-published combined tables. CPP/CPP2 and EI come from CRA payroll rate pages. Quebec figures come from Revenu Québec.
Are these calculators official CRA tools?
No. CA Tax Tools is independent of the CRA. Our calculators are reference tools — they implement the same formulas as CRA but are not for filing your T1. For official filing, use CRA-certified NETFILE software or paper filing.