Canadian Tax Calculators
50 free calculators for federal and provincial taxes, CPP, EI, RRSP, retirement income, corporate tax, 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.
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.
EI Benefits Calculator
Estimate weekly EI benefits — regular, sickness, maternity, and parental — with family supplement.
Student Loan Calculator
Monthly payment impact on take-home pay; RAP eligibility check.
Self-Employment Tax
Income tax, double CPP, and quarterly installment estimates.
Home Office Expense Calculator
T777 + T2125 deductions for salaried, commission, and self-employed workers.
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.
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.
CPP & OAS Start Age
Compare start ages 60-70, breakeven analysis, cumulative totals.
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.
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.
Property & Sales Tax
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.
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.
Canada Workers Benefit (CWB)
CWB basic amount and disability supplement for low-income workers. Includes Alberta AFWB.
Business & Corporate
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.