Refund logic shown
See how tax withheld is compared with estimated tax instead of confusing a refund with total after-tax income.
2026 ratesAll provinces & territoriesPrivate on your device
Free 2026 Canada Tax Refund Calculator
Enter your income, deductions and tax paid to estimate your refund or amount owing.
Your 2026 estimate
Enter your tax details
Private by design: calculations happen on this device. ToolsFA does not upload or save your income entries.
Estimated filing result
Enter income and tax withheld to see a live estimate.
Your breakdown
Standard estimateCash income entered$0
Taxable income after deductions$0
Federal income tax$0
Ontario income tax + health premium$0
CPP/QPP and EI/QPIP$0
Total income tax$0
Estimated after-tax income$0
After-tax income$0 (0%)
Federal tax$0 (0%)
Provincial tax$0 (0%)
CPP/QPP and EI/QPIP$0 (0%)
Income tax rate
0.00%
Marginal rate
19.05%
All-in rate
0.00%
RRSP what-if
See a possible tax saving
Estimated tax reduction
$0
This is a comparison, not a contribution recommendation. Confirm your RRSP deduction limit on your CRA notice of assessment.
Why this calculator is different
A result you can understand—not just a number
Payroll separated
CPP/QPP, EI and QPIP are shown separately from federal and provincial income tax.
RRSP scenario
Compare the same return with an additional RRSP deduction without replacing your original inputs.
No sales funnel
Use the full calculator without an account, upload, email address or filing-service redirect.
How the 2026 estimate works
The calculator applies progressive 2026 federal and provincial or territorial tax brackets to estimated taxable income. It includes the income-dependent federal basic personal amount, provincial basic personal amounts, the Canada employment amount, estimated CPP/QPP and EI credits, the federal dividend gross-up and credit, Quebec’s federal abatement, Ontario surtax and health premium, and the British Columbia tax reduction. Capital gains use a 50% inclusion assumption.
Official tax brackets ↗
Current 2026 federal and provincial/territorial brackets published by the Canada Revenue Agency.
Payroll parameters ↗
CRA 2026 CPP, QPP, EI, QPIP, personal amount and Canada employment amount tables.
Quebec rates ↗
Revenu Québec’s published 2026 provincial income-tax brackets and indexed personal amounts.
Important: This is an educational estimate, not tax advice or tax-filing software. It does not calculate every federal or provincial credit, benefit, clawback, minimum tax, pension split, foreign income item or special situation. Use your CRA or Revenu Québec assessment and certified tax software for a filing result.
Frequently asked questions
Is this Canadian tax refund calculator free?
Yes. The calculator is free, requires no account and performs its calculations in your browser.
What is the difference between a refund and after-tax income?
A refund compares income tax already withheld with estimated income tax payable. After-tax income subtracts estimated income tax and payroll contributions from the cash income entered.
Does the estimate include CPP, QPP and EI?
Yes. The breakdown estimates 2026 CPP or QPP, second additional pension contributions, EI and Quebec parental insurance premiums where applicable. Self-employed pension contributions are estimated separately.
Why might my actual refund be different?
A filed return may include spouse or dependant amounts, age and disability credits, tuition, donations, medical expenses, workers benefits, provincial reductions, benefit repayments, prior instalments and other facts this quick calculator does not collect.
Does ToolsFA save my income information?
No. Entries and calculations stay in the current browser session and are not sent to ToolsFA.