Educational only, not financial or tax advice. Not affiliated with CRA.

The calculators are arithmetic on published 2026 amounts. They are not a notice of assessment, not a payroll program, and not a ruling about your residency. A result can be wrong for you because of income, credits, or events the form does not ask about.

Take-home pay assumes one employment, claim code 1, and a full year. It omits a spouse or dependant amount, tuition, medical expenses, donations, union dues, northern residents deductions, and RRSP contributions taken off your pay. Quebec provincial tax is a simplified estimate and the Quebec page lists what it leaves out. Self-employment is not calculated.

TFSA, FHSA, and RRSP results ignore qualifying transfers, exempt contributions, pension adjustment reversals, and the finer FHSA rules for designated withdrawals. An over-contribution can be taxed. The tool can show that room is negative. It does not compute the monthly tax.

Figures were checked against the linked government pages on 13 November 2026. Governments change rates, sometimes mid-year. If a linked page and this site disagree, the linked page wins, and then this site should be corrected.

Nothing here is a recommendation to open an account, claim a credit, or accept a job. For a decision that matters, use the official page and a qualified tax or financial professional who can look at your situation.