Estimate your tax
Enter ordinary income, net realized capital gains, RRSP and TFSA contributions, then choose your province or territory of residence on December 31, 2026.
Estimated bracket tax on $0 of income.
Breakdown
| Layer | Rate note | Estimate |
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Sources: CRA 2026 federal and provincial/territorial brackets, Budget 2025 cancellation of the proposed capital-gains inclusion-rate increase, CRA capital-gain calculation guidance, Revenu Quebec 2026 rates, Quebec abatement, and CRA RRSP and TFSA dollar limits.
A clean estimate, not a tax return.
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Bracket tax only
The calculator applies 2026 marginal brackets to the income entered. It does not claim credits such as the basic personal amount or disability, tuition, medical, donation, or age credits.
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Province matters
Provincial and territorial brackets apply based on your province or territory of residence at year-end. Quebec also receives a federal abatement, included here as a simple reduction to federal bracket tax.
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RRSP and TFSA treatment
RRSP contributions are treated as deductible against taxable income. TFSA contributions are tracked as savings, but they do not reduce current-year income tax.
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Capital gains treatment
The calculator adds 50% of the net realized gain to taxable income, then measures the difference from the same estimate without that gain. Capital losses, the principal-residence exemption, the lifetime capital-gains exemption, reserves, and alternative minimum tax are not modeled.
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Get advice for edge cases
Self-employment, business income, split residency, multiple jurisdictions, trusts, benefits, and special credits can all change the final result.