§ Calculator · Tax

Tax bracket lookup

What this is

Where does your income land on the tax map?

Canada has a progressive tax system: each chunk of income is taxed at the bracket it falls in. Knowing your MARGINAL rate (the rate on your next dollar) matters more than the effective rate for most decisions, RRSP contributions, bonuses, side income.

·Federal 2026: 15% to $57k · 20.5% to $115k · 26% to $178k · 29% to $253k · 33% above.
·Provincial adds another 5-25% on top of federal, varies wildly across the 13 jurisdictions.
·Marginal rate = the rate on your LAST dollar. Used for RRSP refund estimation, bonus tax math.
·Effective rate = total tax ÷ total income. Used for take-home calculations.
·Watch the OAS Recovery Tax band ($95,323-$154,767 in 2026): adds 15% effective marginal between those thresholds for ages 65+.

Taxable income (CAD)Province

Marginal rate

29.6%

Effective rate

21.1%

Total tax

$20,032

Take-home

$74,968

Province used: ON. Surtax/health-premium add-ons: surtax $34 · ON health premium $750.

Educational. Not financial advice. Excludes credits (BPA, age, pension), surtaxes (ON, PE), and provincial health premium (BC, ON). For a full bracket atlas with the per-bracket ledger, see /dashboard/taxation.

Disclaimer

Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.