2026 / Alberta + Ontario / Employment income
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See an estimate of your income tax, take-home pay and the effect of an RRSP deduction. No signup. Every assumption in view.
Estimated annual cash after tax, CPP, EI and RRSP
—
— per month · simplified full-year estimate
Cash remainingIncome taxCPP, EI + RRSP
Federal income tax—
Provincial income tax (incl. ON health premium)—
CPP + CPP2 contributions—
EI premiums—
RRSP contribution—
Estimated tax saved by entered RRSP—
Refund / balanceEnter withheld tax
Effective income tax rate—
Income tax on next $1 earned—
Income tax rates exclude CPP and EI. Refund estimate excludes benefits and other refundable credits.
The assumptions are part of the answer.
For a single employee aged 18–64, with one employer and full-year Alberta or Ontario residence. No dependants, other income, deductions or credits beyond those listed in the methodology. Ontario calculations include applicable surtax, health premium, basic tax reduction and the single-person LIFT credit.
- Includes the basic personal amounts, employment amount, CPP/EI credits and enhanced CPP deduction.
- Does not model self-employment, capital gains, dividends, Quebec, refundable benefits, CPP/EI overpayments or multiple-employer reconciliations.
- RRSP room is not checked. Cash remaining assumes the entered RRSP deduction was also contributed from this year’s cash.
- Income tax withheld must be known to estimate a refund or amount owing. A blank field is different from zero.
- Annual tax-planning estimate, not a payslip or withholding calculator. Actual CPP and payroll results can differ for irregular or part-year work. Excludes bankruptcy, minimum-tax and incarceration cases.
Based on published 2026 parameters. A tax professional must verify the final return and any later rule changes.
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