# Income Tax Calculators for Canadian Taxpayers

> 18 free calculators for federal and provincial income tax, refunds, marginal rates, capital gains, dividends and deductions for the 2026 tax year.

This hub has 18 income tax calculators for the 2026 tax year. They work out federal and provincial tax together, then split off the cases that behave differently: capital gains, dividends, rent, self-employment and the deductions and credits that shrink a bill. Quebec residents file a separate provincial return, so their numbers fit together a little differently.

## Which income tax calculator should I use first?

Start with the [income tax calculator](https://tax-services.ca/calculators/income-tax/income-tax-calculator). It combines the federal and provincial layers for any province and shows your tax, your average rate and what's left.

## What rate do I pay on the next dollar I earn?

That is your marginal rate, and it usually sits above your average rate. The [marginal tax rate calculator](https://tax-services.ca/calculators/income-tax/marginal-tax-rate) shows it before you take a raise, a side job or an RRSP deduction. Come tax time, the [tax refund calculator](https://tax-services.ca/calculators/income-tax/tax-refund-calculator) sets the tax already withheld against the tax you owe, so you know whether a cheque or a bill is on the way.

## Is all income taxed the same way?

No. Half of every capital gain enters your income, and the [capital gains tax calculator](https://tax-services.ca/calculators/income-tax/capital-gains-tax) applies that to shares and property. Dividends get a gross-up and a credit, which the [dividend tax calculator](https://tax-services.ca/calculators/income-tax/dividend-tax) works through for eligible and ordinary ones. The [rental income tax calculator](https://tax-services.ca/calculators/income-tax/rental-income-tax) adds rental profit on top of your other income.

If you work for yourself, nobody withholds tax and you carry both the employee and employer parts of CPP. The [self-employed tax calculator](https://tax-services.ca/calculators/income-tax/self-employed-tax) covers a full business. For a weekend gig on top of a salary, the [side hustle tax calculator](https://tax-services.ca/calculators/income-tax/side-hustle-tax) shows the extra income tax and CPP. The [tax instalments calculator](https://tax-services.ca/calculators/income-tax/tax-installments) plans the quarterly payments the CRA may ask for.

## Which deductions and credits can I estimate?

The [deductions and credits calculator](https://tax-services.ca/calculators/income-tax/tax-credits) shows what an RRSP deduction, tuition or medical costs save in your province. Six single-purpose calculators go further:

- The [child care expense deduction calculator](https://tax-services.ca/calculators/income-tax/childcare-expense-deduction) applies the per-child limits and the earned income cap.

- The [donation tax credit calculator](https://tax-services.ca/calculators/income-tax/donation-tax-credit) compares giving everything in one year with spreading gifts over several.

- The [home office deduction calculator](https://tax-services.ca/calculators/income-tax/home-office-deduction) checks which rent and utilities an employee can claim.

- The [medical expense credit calculator](https://tax-services.ca/calculators/income-tax/medical-expense-credit) lets you compare different 12-month periods.

- The [moving expenses deduction calculator](https://tax-services.ca/calculators/income-tax/moving-expenses-deduction) tests the distance rule and the income limit on what you can deduct.

- The [pension income splitting calculator](https://tax-services.ca/calculators/income-tax/pension-income-splitting) looks for the split that cuts a couple's combined tax.

## What if I sold a cottage or a rental property?

The [principal residence exemption calculator](https://tax-services.ca/calculators/income-tax/principal-residence-gain) estimates the tax when you sell a cottage, a second property or a home you did not live in every year. If you rented the place out and claimed capital cost allowance, the [rental property CCA recapture calculator](https://tax-services.ca/calculators/income-tax/rental-cca-recapture) shows how those claims come back as income at sale.

All results are estimates for the 2026 tax year. They follow the published federal and provincial rules, but a filed return can differ because of credits and deductions only you know about.

---
Source: https://tax-services.ca/calculators/income-tax
Last updated: 2026-10-01
Independent information site. Not affiliated with the CRA. No services, no guarantee of accuracy. See https://tax-services.ca/disclaimer