Canada · 2026 tax year
Know your numbers before you decide.
Take-home pay, taxes, mortgages, retirement. Real 2026 numbers from the CRA, the Bank of Canada and CMHC, with the math shown, and every change as soon as it's announced. Free, and no sign-up.
$21,321 a year goes to income tax, CPP and EI. Your employer pays another $6,219 into CPP and EI for you, on top of your salary.
See every paycheque →- A home you could carry$501,000With 20% down, about $2,281 a month at prime (4.45%), stress-tested at 6.45%. Land transfer tax, insurance and closing costs are on the next page.Price a home →
- Your tax rate29.6%on the next dollar. 18.3% of everything you earn goes to income tax.Estimate my tax →
- RRSP refund$2,965back on a $10,000 contribution, so it really costs you $7,035.Try my amount →
- Room to save tax-free this year$30,300TFSA $7,000, FHSA $8,000, and $15,300 of new RRSP room from this salary.Which account first? →
- If you save 10% of your pay$272,000 in 20 years$708 a month at a balanced 4.7% after fees. $170,000 is what you put in. The rest is growth.Build my plan →
Employment income, 2026 rates, no other deductions. Nothing you type leaves this device.
Calculators
Work out the number.
60 calculators in seven groups, each with 2026 figures and the math shown.
Pay and tax14 calculators
Home and mortgage9 calculators
Saving and investing7 calculators
Retirement8 calculators
Family and benefits5 calculators
Borrowing and budgeting12 calculators
Newcomers5 calculatorsGet started
Buying a home? Having a baby? Start here.
A short checklist for each: what to know, the benefits people miss, and which calculators to use.
- Planning my moneyI have money coming in. Where should it go?
- Buying a homeCan I afford to buy, and what will it really cost?
- Weighing a job offerSalary or contract, and what is the offer really worth?
- Saving for retirementRRSP or TFSA, and how much does the government give back?
- Retiring in the next few yearsWhen should I take CPP and OAS, and which account do I draw first?
- Having a babyWhat will the government pay us, and how do we save for school?
- Working for yourselfWhat do I owe, what do I set aside, and should I incorporate?
- Paying less taxWhat can I legally do to pay less tax this year?
Insights
What is changing, and when.
Every government change to taxes, payroll and savings, the day it is published, and the legal ways to pay less tax.
All insights → What's changing in 2027 · CPP changes · Tax deadlines · Tax-saving strategies