Method and sources
What is calculated
A full 2026 tax year for an employee: pension contributions (CPP or QPP), employment insurance, Québec parental insurance, federal and provincial income tax with the credits that apply to your household, and the tax-free child benefits for the July–June benefit year. The calculation runs in your browser.
Where the rates come from
Only official sources: laws and regulations, the governments' published rate tables and guides, and the governments' own calculators. Rates last checked: 2026-11-09.
- www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html
- www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/adjustment-personal-income-tax-benefit-amounts.html
- www.canada.ca/en/department-finance/services/publications/report-impact-reducing-lowest-marginal-personal-income-tax-rate-non-refundable-tax-credits.html
- www.canada.ca/en/revenue-agency/services/e-services/digital-services-businesses/payroll-deductions-online-calculator.html
- www.canada.ca/en/revenue-agency/services/child-family-benefits/child-family-benefits-calculator.html
- www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4114/canada-child-benefit.html
- www.canada.ca/en/revenue-agency/services/child-family-benefits/provincial-territorial-programs.html
- www.revenuquebec.ca/en/businesses/source-deductions-and-employer-contributions/employers-principal-changes-for-2026/
- budget.ontario.ca/2026/fallstatement/provisions.html
- www2.gnb.ca/content/gnb/en/departments/finance/taxes/personal.html
- www.gov.nl.ca/fin/tax-programs-incentives/personal/personalincometax/
A few benefit reduction rates are not published as text. We measured them from the CRA's own benefits calculator and check them on every update.
How it is tested
Before publication, results are compared with the official calculators: 19 payroll and tax cases from the CRA and Revenu Québec calculators, and 51 benefit cases from the CRA's Child and Family Benefits Calculator, plus automatic checks on every province (for example: a raise never lowers your take-home pay). A failing check blocks publication.
Known limits
- Low-income tax reductions for NB, NS, NL and PE not modelled (no official 2026 figures found); matters below about $30,000.
- Canada Workers Benefit (refundable) not modelled.
Benefits are paid on last year's family income; the calculator estimates them from the income you enter. Your partner's own taxes are not calculated.