How MapleTax Calculator works
Rates last updated: June 10, 2026
One engine, one rate file per year
Every figure on this site comes from a single pure calculation engine. There is one rate file per tax year holding the brackets, Basic Personal Amounts, CPP/QPP and EI ceilings, the Ontario surtax tiers, the Quebec federal abatement, and the BC low-income reduction. The engine reads that file and computes federal tax, provincial tax, CPP or QPP, EI, and (for Quebec) QPIP, then derives your take-home pay, average rate, and marginal rate. The same engine runs in your browser, on the server, and in our test suite, so the number you see is the number we test.
The calculator covers employment income. It does not require a sign-up, send your numbers anywhere, or store them. Calculations happen entirely on your device.
What this tool does model
- Federal income tax, including the Basic Personal Amount and its high-income phase-out
- Provincial and territorial income tax for all 13 jurisdictions
- CPP and the second-tier CPP2 (or QPP and QPP2 for Quebec residents)
- EI premiums, at Quebec's reduced rate where applicable
- QPIP premiums for Quebec residents
- The Ontario provincial surtax (two tiers)
- The 16.5% Quebec federal abatement
- The British Columbia low-income tax reduction
What this tool does not model
To keep estimates honest, the calculator does not currently model:
- Dividend tax credits (eligible and non-eligible)
- Capital gains. The proposed 2/3 inclusion rate has not received Royal Assent as of 2026; we use the current 1/2 rate and flag this uncertainty wherever capital gains appear
- Alternative Minimum Tax (AMT)
- PEI's surtax, pending confirmation that it still applies for 2026
- Credits beyond the Basic Personal Amount (medical, tuition, donations, and so on)
- Benefit phase-outs such as OAS clawback, the Canada Child Benefit, and the GST/HST credit
For complex situations, please consult a Chartered Professional Accountant or a qualified tax professional.
Sources
Every rate and threshold is taken from an official source:
- CRA, federal income tax rates and indexation
- CRA, Basic Personal Amount (BPA)
- CRA, CPP and CPP2 contribution rates and ceilings
- CRA, EI premium rates and maximums
- CRA, Ontario tax and credits (surtax)
- CRA, refundable Quebec abatement (line 44000)
- Revenu Quebec, QPP contribution rates
- RQAP, QPIP premiums and maximum insurable earnings
- BC Ministry of Finance, personal income tax (low-income reduction)
Rates are reviewed every November or December when the CRA publishes the following year's indexation figures. See our About page for the update discipline.
Disclaimer
Estimates based on 2026 CRA-published rates. Your actual tax may differ based on additional deductions and credits. Not tax advice. Consult a professional before making financial decisions.