2026 Canadian tax estimator

Built for self-employed individuals, incorporated employees paying themselves, and anyone working multiple jobs — the common case where per-employer withholding under-collects tax. Nothing you enter is saved.

Province of residence

Employment income (per job)

Enter each job separately — this is the whole point of the tool for multi-employer situations.

Job 1 — grossIncome tax withheld

Other income

Self-employment net incomeOther income (interest / ordinary)

Deductions

RRSP deduction for 2026Capped at $33,810 for 2026 — subject to your personal room.FHSA deduction$8,000 annual limit if you have an open FHSA and room.

DisclaimerRough planning estimate for the 2026 tax year only. Excludes dividends, capital gains, most non-refundable credits (donations, medical, tuition, etc.) and all benefit/entitlement calculations. This is not tax, legal, or financial advice — actual results depend on your individual circumstances. Book a consultation for advice specific to you.

Headline

Estimated refund

Withheld across your jobs: $0 vs. estimated federal + provincial tax: $0.

Ledger

Total income: $0
Net / taxable income: $0
Federal tax: $0
Provincial tax: $0
CPP (base + CPP2): $0
EI: $0
Total estimated tax + payroll: $0
Average rate: 0.00%
Marginal rate: 19.05%
After-tax income: $0

RRSP what-if

At your marginal rate of 19.05%, each additional $1,000 of RRSP contribution would reduce your tax by roughly $191.

CPP and EI are calculated on aggregate employment income here. In practice each employer restarts contributions from zero, so per-paycheque totals may differ; any overpayment is reconciled on your return.