# Tax-Services.ca

> Independent Canadian tax help: calculators, plain-English guides and reference numbers for every province and territory, updated for 2026. This site is information only. It does not prepare or file tax returns, does not offer tax, legal or accounting services, and is not affiliated with the Canada Revenue Agency or any government.

Figures come from CRA and provincial sources, and each page shows when it was last checked. Results are estimates for planning, not advice. Official figures: canada.ca/en/revenue-agency.

## Reference numbers
- [Canadian tax rates and limits for 2026 at a glance](https://tax-services.ca/tax-numbers): The 2026 Canadian limits and rates people look up most, including RRSP, TFSA, FHSA, federal brackets, CPP and EI, each with its source and date
- [Canadian tax calendar: filing, instalment and RRSP dates](https://tax-services.ca/tax-calendar): The dates that matter in the Canadian tax year, from slips and the RRSP deadline to filing day and instalments, with weekend shifts worked out for you
- [Bank of Canada rates, inflation and exchange rates](https://tax-services.ca/rates-and-markets): The Bank of Canada policy rate, prime rate, inflation and exchange rates with the date of each figure, plus what they mean for a loan or a mortgage
- [Canadian tax glossary: plain-English definitions](https://tax-services.ca/glossary): Plain-English glossary of about 100 Canadian tax terms, from ACB and AMT to T4 and TFSA, each with a short definition and a link to the page that explains it.
- [Sales tax by province: GST, HST and PST compared](https://tax-services.ca/sales-tax-by-province): Sales tax in every province and territory: GST, HST, PST, QST and the combined rate, from 5% in Alberta to 15% in New Brunswick.

## 2026 changes and 2027 outlook
- [What changed in Canadian taxes in 2026](https://tax-services.ca/whats-new-2026): A short list of what changed in Canadian taxes for 2026: the lower first federal rate, new CPP and EI ceilings, the RRSP limit, and what stayed the same.
- [Canadian tax numbers: 2025 vs 2026](https://tax-services.ca/tax-numbers-2025-vs-2026): See the main Canadian tax numbers for 2025 and 2026 side by side: tax rate, basic amount, CPP, EI, RRSP limit and capital gains exemption.
- [Canadian tax numbers: 2026 vs 2027](https://tax-services.ca/tax-numbers-2026-vs-2027): Compare Canadian tax numbers for 2026 and 2027: RRSP limit, CPP ceilings, EI premium and maximum, with the TFSA and federal brackets marked as not published.
- [Canadian tax calendar 2027](https://tax-services.ca/tax-calendar-2027): Canadian tax dates for 2027: RRSP deadline March 1, filing April 30, self-employed June 15 and instalments on the 15th, for the 2026 tax year.
- [2027 tax questions: what is known and what is not](https://tax-services.ca/2027-tax-questions): Answers to common questions about Canadian taxes in 2027: the RRSP limit, CPP ceilings, EI premiums, TFSA, brackets and filing dates, confirmed figures only.

## Quick answers
- [Canadian tax brackets by year: federal 2016 to 2026 and every province](https://tax-services.ca/canada-tax-brackets): The 2026 federal brackets (14% to 33%), every province and territory, a worked $85,000 example and federal brackets back to 2016, with CRA sources.
- [How often do you file GST/HST? Due dates and how to file](https://tax-services.ca/gst-hst-filing-frequency): How often a business files GST/HST in Canada, when each return is due, the special April 30 and June 15 rule for sole proprietors, and how to file online.
- [When will I get my tax refund? CRA timelines](https://tax-services.ca/when-will-i-get-my-tax-refund): How long a CRA tax refund usually takes: about 2 weeks for an online return, longer on paper, and what slows a refund down.
- [Filing your first tax return in Canada](https://tax-services.ca/first-time-tax-return-canada): A plain guide to filing your first Canadian tax return: who needs to file, what to gather, free ways to file, the 2027 deadlines and what happens next.
- [Take-home pay by province and salary, 2026](https://tax-services.ca/take-home-pay-by-province): See what you keep after tax, CPP or QPP and EI at ten salaries in every province and territory, calculated with the 2026 tax tables.
- [Quebec taxes: how they differ from the rest of Canada](https://tax-services.ca/quebec-taxes): How taxes work in Quebec: two returns, the federal abatement, QPP and QPIP, the QST, and the 2026 brackets and amounts.
- [Year-end tax planning in Canada: the 2026 checklist](https://tax-services.ca/year-end-tax-planning-canada): What to do before December 31, 2026: RRSP, TFSA, FHSA, donations, medical costs, instalments and selling losses, with the dates that matter.
- [FHSA or RRSP: which one for your first home?](https://tax-services.ca/fhsa-vs-rrsp-canada): How the FHSA and the RRSP differ for first-time buyers: limits, tax deduction, withdrawals, repayment, with tax saved examples at three incomes.
- [Which benefits might you qualify for?](https://tax-services.ca/benefits-finder): Tick what describes you and see the federal benefits and credits that may apply, with a link to a calculator or guide for each. Information only.
- [Canada Child Benefit payment dates](https://tax-services.ca/canada-child-benefit-payment-dates): The 2026 Canada Child Benefit payment dates month by month, the usual pay day, and what to do if a payment is late or stops.
- [Canada Groceries and Essentials Benefit payment dates](https://tax-services.ca/canada-groceries-essentials-benefit-payment-dates): The Canada Groceries and Essentials Benefit replaced the GST/HST credit in July 2026. See the payment dates, what changed and the 2026 to 2027 amounts.
- [Are tips taxable in Canada?](https://tax-services.ca/are-tips-taxable-canada): Yes, tips are taxable income in Canada. See how to report tips on line 10400 as an employee, how self-employed tips work, and when CPP and EI apply.
- [Is a TFSA withdrawal taxable in Canada?](https://tax-services.ca/is-tfsa-withdrawal-taxable): TFSA withdrawals are not taxable in Canada, and the room comes back the next January. See the limits, penalties and the business exception.
- [Are gifts taxable in Canada?](https://tax-services.ca/are-gifts-taxable-canada): Gifts are not taxable to the person who receives them in Canada, and there is no gift tax. See when the person giving a gift may owe tax.
- [Are lottery winnings taxable in Canada?](https://tax-services.ca/are-lottery-winnings-taxable-canada): Lottery winnings are not taxable in Canada, but the interest you earn on the money is. See the foreign winnings rule and the gambling exception.
- [Is cryptocurrency taxable in Canada?](https://tax-services.ca/is-crypto-taxable-canada): Cryptocurrency is taxable in Canada. Selling, trading or spending it creates a gain or loss, and mining or staking can be income. See what to report.
- [Lost or missing tax slip: what to do](https://tax-services.ca/lost-tax-slip-what-to-do): What to do if a T4, T5 or other tax slip is lost or never arrived: check your CRA account, ask the payer, estimate and still report the income.
- [Received a letter from the CRA: what to do](https://tax-services.ca/received-cra-letter-what-to-do): What to do when you get a letter from the CRA: read the type, check the deadline, reply with the documents and watch for scams.
- [Missed the tax filing deadline: what to do](https://tax-services.ca/missed-tax-filing-deadline): What happens if you miss the Canadian tax filing deadline: the late-filing penalty with a worked example, interest, and how to file late and ask for relief.
- [Made a mistake on your tax return: how to fix it](https://tax-services.ca/mistake-on-tax-return-how-to-fix): How to fix a mistake on a filed Canadian tax return: change it online or by mail, what you can and cannot change, and the time limits to know.
- [Tax changes in October 2026: what to know](https://tax-services.ca/tax-changes-october-2026): A short roundup of Canadian tax news for October 2026: the 2027 EI rates, CPP ceilings and RRSP limit, benefit payment dates and the figures still to come.
- [Which calculator do I need?](https://tax-services.ca/which-calculator-do-i-need): Not sure which Canadian tax calculator to use? Pick what you want to work out, from take-home pay to RRSP room or a mortgage payment, and get links.

## Lookup tools
- [Is it taxable? Common income and payments in Canada](https://tax-services.ca/is-it-taxable): Quick answers on whether common income and payments are taxable in Canada, from tips and EI to TFSA withdrawals, gifts and the sale of your home.
- [Tax slips decoder: what each Canadian slip means](https://tax-services.ca/tax-slips-decoder): Search the common Canadian tax slips, from T4 to T5008, and see what each one reports, who sends it and what to do when it is missing.
- [CRA letters decoder: what the CRA wrote to you and what to do](https://tax-services.ca/cra-letters-decoder): See what common CRA letters mean, such as a notice of assessment, a reassessment or a request for documents, and what to do next.
- [CRA scams: how to spot a fake call, text or email](https://tax-services.ca/cra-scams): Learn the signs of a fake CRA call, text or email, what the CRA says it will never do, how to check a message and where to report a scam in Canada.
- [My tax year: your next CRA dates](https://tax-services.ca/my-tax-year): Choose employee, self-employed, business owner or investor and see the CRA dates coming up in the next 12 months, with weekends adjusted.

## Data and downloads
- [Data and downloads](https://tax-services.ca/open-data): Download the main Canadian tax numbers, the 2027 tax dates and the sales tax table as JSON, CSV or calendar files, and follow data changes by feed.

## Guides
- [Canadian tax guides: how it works and how to file](https://tax-services.ca/guides): Plain guides to Canadian income tax, filing, sales tax, self-employment and savings accounts, with the numbers and sources behind each one
- [How Canadian income tax works: brackets and credits](https://tax-services.ca/guides/how-canadian-taxes-work): How federal and provincial Canadian income tax stack up, what marginal and average rates mean, and how credits and deductions change your bill
- [How to file your tax return in Canada: steps and dates](https://tax-services.ca/guides/file-your-taxes): What to gather, when your return is due and how to file in Canada, from the first slip to the notice of assessment that closes the year
- [GST, HST, PST and QST explained for every province](https://tax-services.ca/guides/gst-hst-pst): Which GST, HST, PST or QST applies where you shop or sell in Canada, the 2026 rates for every province, who must register and how to add or remove tax
- [Self-employed taxes in Canada: income, CPP and GST](https://tax-services.ca/guides/self-employed-and-small-business): How tax works when you are self-employed in Canada: reporting income and expenses, paying both halves of CPP, instalments and when to register for GST
- [How to choose a tax preparer in Canada](https://tax-services.ca/guides/choose-a-tax-preparer): Do you need a tax preparer in Canada? How to decide, what a preparer does, the questions to ask before you hire one and where to find free help
- [RRSP, TFSA, FHSA and retirement income in Canada](https://tax-services.ca/guides/savings-and-retirement): How the RRSP, TFSA and FHSA differ, the 2026 limits, what happens when you withdraw, and where CPP and OAS fit into your retirement income
- [Canadian tax credits and government benefits explained](https://tax-services.ca/guides/benefits-and-credits): The difference between tax credits and benefits in Canada, how they're worked out from your return, and the calculators for the ones people claim most
- [Dealing with the CRA: letters, audits and payments](https://tax-services.ca/guides/dealing-with-cra): Dealing with the CRA: what to do when a letter arrives, how a review differs from an audit, how My Account helps, and what to do if you can't pay
- [Property and tax in Canada: buying, owning and selling](https://tax-services.ca/guides/property-and-tax): How property tax and transfer tax apply when you buy, own, rent out or sell a home in Canada, with the calculators for each step

## Provinces and territories
- [Taxes by province and territory in Canada](https://tax-services.ca/provinces): How taxes differ by province and territory in Canada: income tax brackets, credits and sales tax, with a guide for where you live
- [Ontario income tax and sales tax in 2026](https://tax-services.ca/provinces/ontario): How Ontario income tax works in 2026: the five brackets, the surtax and health premium, the 13% HST, and the calculators that switch to Ontario
- [Quebec income tax, QPP and QST in 2026](https://tax-services.ca/provinces/quebec): How Quebec income tax works in 2026: its own return and brackets, the federal abatement, QPP and QPIP contributions, QST, and calculators for Quebec
- [British Columbia income tax and PST in 2026](https://tax-services.ca/provinces/british-columbia): How British Columbia income tax works in 2026: seven brackets starting at 5.6%, the tax reduction credit, the 7% PST and the BC calculators
- [Alberta income tax and GST in 2026](https://tax-services.ca/provinces/alberta): How Alberta income tax works in 2026: six brackets, an 8% credit rate, no provincial sales tax, no surtax or health premium, and Alberta calculators
- [Manitoba income tax and sales tax in 2026](https://tax-services.ca/provinces/manitoba): How Manitoba income tax works in 2026: three brackets, a basic personal amount that phases out for high earners, the 7% RST and Manitoba calculators
- [Saskatchewan income tax and PST in 2026](https://tax-services.ca/provinces/saskatchewan): How Saskatchewan income tax works in 2026: three brackets from 10.5%, a large basic personal amount, the 6% PST and the calculators that switch to it
- [Nova Scotia income tax and HST in 2026](https://tax-services.ca/provinces/nova-scotia): How Nova Scotia income tax works in 2026: five brackets, a basic personal amount that no longer depends on income, the 14% HST and Nova Scotia
- [New Brunswick income tax and HST in 2026](https://tax-services.ca/provinces/new-brunswick): How New Brunswick income tax works in 2026: four brackets from 9.4%, the basic personal amount, the 15% HST and the calculators that switch to New
- [Newfoundland and Labrador income tax in 2026](https://tax-services.ca/provinces/newfoundland-and-labrador): How Newfoundland and Labrador income tax works in 2026: eight brackets, a basic personal amount that changes mid-year, the 15% HST and the calculators
- [Prince Edward Island income tax and HST in 2026](https://tax-services.ca/provinces/prince-edward-island): How Prince Edward Island income tax works in 2026: six brackets with a new 20% top rate, a $15,000 basic personal amount, the 15% HST and calculators
- [Yukon income tax and GST in 2026](https://tax-services.ca/provinces/yukon): How Yukon income tax works in 2026: five brackets from 6.4%, a basic personal amount that follows the federal pattern, GST only and Yukon calculators
- [Northwest Territories income tax and GST in 2026](https://tax-services.ca/provinces/northwest-territories): How Northwest Territories income tax works in 2026: four brackets from 5.9%, an $18,198 basic personal amount, GST only and the calculators for the
- [Nunavut income tax and GST in 2026](https://tax-services.ca/provinces/nunavut): How Nunavut income tax works in 2026: four brackets from 4%, a $19,659 basic personal amount, GST only and the calculators that switch to Nunavut

## Life events and checklists
- [Taxes by life event: what changes and what to do](https://tax-services.ca/life-events): Pick the moment you are in, such as a first job, a baby, a home sale or retirement, and see what changes for your taxes, with dates and first steps.
- [New to Canada: what changes for your taxes](https://tax-services.ca/life-events/new-to-canada): What changes for your taxes when you are new to Canada: residency, world income, your first return, benefits and the foreign income rules
- [Students: what changes for your taxes](https://tax-services.ca/life-events/student): What changes for your taxes when you study in Canada: the tuition credit, your T2202 slip, scholarships, student loan interest and a summer job
- [First job: what changes for your taxes](https://tax-services.ca/life-events/first-job): What changes for your taxes when you start your first job in Canada: the TD1 form, payroll deductions, the T4 slip and why you should still file
- [Having a baby: what changes for your taxes](https://tax-services.ca/life-events/having-a-baby): What changes for your taxes when you have a baby in Canada: the Canada Child Benefit, leave payments, childcare costs and the returns you need to file
- [Buying or selling a home: what changes for your taxes](https://tax-services.ca/life-events/buying-or-selling-a-home): What changes for your taxes when you buy or sell a home in Canada: transfer tax, the principal residence rule, the FHSA and where to run the numbers
- [Starting a business: what changes for your taxes](https://tax-services.ca/life-events/starting-a-business): What changes for your taxes when you start a business in Canada: reporting income, GST/HST registration, instalments and the records you need to keep
- [Retiring: what changes for your taxes](https://tax-services.ca/life-events/retiring): What changes for your taxes when you are retiring in Canada: CPP and OAS, RRSP withdrawals, the move to a RRIF and instalments
- [Printable tax checklists for Canadian taxpayers](https://tax-services.ca/checklists): Printable tax checklists for Canada, starting with the documents to gather before you file and the expenses a self-employed person can claim

## Calculators
- [All calculators](https://tax-services.ca/calculators)
- [Payroll and Salary](https://tax-services.ca/calculators/payroll-salary)
- [Income Tax](https://tax-services.ca/calculators/income-tax)
- [Sales Tax](https://tax-services.ca/calculators/sales-tax)
- [Property and Estate Tax](https://tax-services.ca/calculators/property-transfer-tax)
- [RRSP and Retirement](https://tax-services.ca/calculators/rrsp-retirement)
- [Family and Benefits](https://tax-services.ca/calculators/family-benefits)
- [Business Tax](https://tax-services.ca/calculators/business-tax)
- [Mortgage](https://tax-services.ca/calculators/mortgage)
- [Real Estate](https://tax-services.ca/calculators/real-estate)
- [Loans and Debt](https://tax-services.ca/calculators/loans-debt)
- [Savings, Interest and Budget](https://tax-services.ca/calculators/savings-budget)
- [Math and Business Tools](https://tax-services.ca/calculators/math-business)

## About
- [Editorial Team: Who Writes and Checks This Site](https://tax-services.ca/editorial-team): Who writes and checks the calculators and guides on Tax-Services.ca, how pages are reviewed, how we fix errors and how ads are kept apart
- [How this site earns money](https://tax-services.ca/how-this-site-earns-money): How Tax-Services.ca is paid for, what advertising does and does not change, and how we keep calculators and guides independent.
- [How We Check Rates and Keep Calculators Current](https://tax-services.ca/how-we-check-rates): Where our tax rates and limits come from, how they reach the calculators, how tests protect the results and when we review them each year
- [How we collect information: sources and checks](https://tax-services.ca/how-we-collect-information): Where the facts on Tax-Services.ca come from, how each figure is recorded with its source and date, and what we do when official sources disagree.
- [Privacy Policy: What We Collect and Why](https://tax-services.ca/privacy-policy): What information Tax-Services.ca collects, how cookies, analytics and ads are used, and how to ask us to correct or delete your data
- [Contact Us: Questions and Corrections](https://tax-services.ca/contact): Report a wrong figure, ask how a calculator works or suggest a new tool. We check every correction against the official source