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Canada
CAD · Tax year 2026

Canada

Federal + provincial calculators for every personal finance situation. Salary, mortgage, GST/HST and cost of living — all modeled on current CRA and Bank of Canada data.

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Calculators 16 CRA-aligned
Top Federal Rate 33% CAD 246k+ income
GST 5% federal + prov.
Compounding ½-annual mortgage convention

Quick estimates

Run a one-input estimate before opening the full calculator. Sourced from CRA.

Take-home (Ontario) CRA 2026 federal + Ontario provincial brackets
CAD
Estimated take-home — /yr
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GST/HST quick calc Ontario HST 13% (default)
CAD
Total with HST —
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Mortgage repayment Canadian semi-annual compounding, 25-year term
CAD
% p.a.
Monthly repayment — /mo
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Popular

Income Tax Calculator

Combined federal and provincial income tax across CRA brackets and credits.

CRA federalProvince add-onBasic creditCPP/EI
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Popular

Mortgage Calculator

Repayments using the Canadian semi-annual compounding mortgage convention.

Semi-annual comp.CMHC insuranceAmortisationStress test
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Car Loan Calculator

Monthly car loan repayments and total interest cost across loan terms.

Monthly repaymentTotal interestAmortisationTrade-in option
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GST/HST Calculator

Calculate GST, HST or PST by province using current CRA-published rates.

Province selectorGST + PST/HSTAdd or removeCRA rates
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Inflation Calculator

Value of CAD across years using Statistics Canada Consumer Price Index data.

StatCan CPIHistorical CADPurchasing powerYear-on-year
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Compound Interest Calculator

RRSP, TFSA or general savings growth with regular contributions and compounding.

RRSP/TFSA modeRegular depositsCompound periodGoal mode
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Cost of Living Calculator

Compare living costs between Canadian cities and overseas locations.

City vs cityRent indexGroceriesTransport
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RRSP Calculator

Plan your retirement with RRSP contributions, deduction limits, CPP and OAS projections sourced from CRA.

Contribution limitsCPP & OASRRIF rulesTax deduction
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Crypto Tax Calculator

Canadian tax on crypto dispositions using the CRA 50% inclusion rate and combined federal and provincial marginal rates.

CRA 50% inclusionFederal + provincialDisposition taxMarginal rate
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Land Transfer Tax Calculator

Land Transfer Tax across all 10 Canadian provinces, including Toronto’s Municipal LTT using official provincial bands.

10 provincesToronto MLTTFirst-time buyerProvincial bands
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Reverse Mortgage Calculator

Equity you could access with a reverse mortgage in Canada. Borrow up to 55% of home value from age 55 based on FCAC guidance.

Up to 55% LTVAge 55+FCAC guidanceNo OAS impact
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Refinance Calculator

Monthly saving and break-even period when refinancing a Canadian mortgage against switching costs and prepayment charges.

Break-even pointSwitching costsPrepayment chargeMonthly saving
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ROI Calculator

Return on investment, CAGR and Capital Gains Tax using the CRA 50% inclusion rate and combined federal-provincial marginal rates.

CRA 50% inclusionCAGRFederal + provincialAfter-tax return
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Property Tax Calculator

Annual residential property tax in Canada by city and assessed value, using official municipal and provincial rates.

By cityAssessed valueMunicipal ratesProvincial rates
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Buy vs Rent Calculator

Long-term financial comparison between buying and renting a home based on price, rent, opportunity cost and time horizon.

Opportunity costTime horizonNet wealth comparisonEquity build-up
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Employment Insurance Calculator

Weekly EI benefit at 55% of insurable earnings (max CAD 729/week) and duration based on Service Canada and CRA figures.

55% of earningsMax CAD 729/wkWeeks of benefitEI premium
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Plan ahead

Upcoming Canada dates NEW

Tax filing, RRSP, BoC rate decisions and inflation releases — sourced from CRA, Bank of Canada and StatCan.

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    What changed this year

    Recent rate, bracket and threshold changes from CRA and the relevant authorities.

    1 Jul 2025

    Lowest federal bracket cut from 15% to 14%

    Bill C-4 reduced the lowest federal tax rate. A blended 14.5% applied for the 2025 tax year. The full 14% rate is now in effect for 2026.

    CRA
    2025

    Federal Basic Personal Amount set at CAD 16,129

    The federal BPA is applied as a non-refundable tax credit, tapered for incomes above approximately CAD 177,000.

    CRA
    2025

    Ontario provincial brackets indexed

    Ontario applies provincial tax in five brackets from 5.05% to 13.16%, with a surtax above certain thresholds. Combined federal+Ontario top marginal rate is approximately 53.53%.

    Ontario Ministry of Finance
    Ongoing

    Bank of Canada policy rate decisions

    The Bank of Canada reviews its overnight policy rate eight times per year. Mortgage calculators reference the published target rate.

    Bank of Canada
    Apr 2024

    CPP2 second tier in effect

    The second additional CPP contribution applies on pensionable earnings between the YMPE and YAMPE thresholds.

    CRA

    How Money Snap calculators work

    Three steps to a sourced estimate.

    01

    Select a calculator

    Pick the Canada calculator that matches the figure to estimate.

    02

    Enter inputs

    Add income, loan or property values. Inputs stay in your browser only.

    03

    Review the breakdown

    See itemised results based on official CRA brackets and current rates.

    Frequently asked questions

    Common questions about Money Snap Canada calculators.

    All calculations run in your browser. Inputs are not stored, transmitted or shared by Money Snap.
    Federal brackets are sourced from the CRA. Provincial brackets are sourced from each province’s revenue authority.
    Canadian mortgages are required to compound no more than semi-annually under the Interest Act. The calculator converts the annual rate to a monthly rate using this convention.
    The calculator applies the federal 5% GST and adds the applicable provincial PST or HST based on the province selected.
    The Compound Interest Calculator projects growth and contributions only — it does not model the tax differences between RRSP and TFSA. Refer to the CRA for tax treatment.
    No. Money Snap is an information platform. Results are estimates only and do not constitute financial, tax or legal advice.
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    Know someone running the same numbers?

    Money Snap Canada calculators are sourced from CRA and reviewed each fiscal period. Pass it along to a friend, colleague or family member who might find it useful.

    Methodology & data sources

    How Money Snap Canada calculators are built, sourced and maintained.

    Data sources
    Canada Revenue Agency
    canada.ca/en/revenue-agency
    Federal income tax, BPA, CPP, EI, GST/HST
    Reviewed quarterly
    Ontario Ministry of Finance
    fin.gov.on.ca
    Ontario provincial income tax brackets and surtax
    Reviewed quarterly
    Bank of Canada
    bankofcanada.ca
    Overnight policy rate, mortgage reference rates, inflation
    Reviewed monthly
    Statistics Canada
    statcan.gc.ca
    CPI for inflation calculations, demographic series
    Reviewed monthly
    Methodology
    Income tax Federal brackets + Ontario provincial brackets (default province). 2026 federal lowest rate of 14% now fully in effect after Bill C-4 cut.
    Basic Personal Amount Federal BPA of CAD 16,129 applied as non-refundable credit at lowest bracket rate. Ontario BPA applied separately.
    GST/HST Ontario uses HST at 13%. Other provinces use GST (5%) or HST (5–15%) at provincial rates.
    Mortgage Canadian convention of semi-annual compounding (not in advance) is applied. Effective monthly rate calculated from semi-annual nominal rate.
    Editorial standards
    • Money Snap does not provide financial advice. Results are illustrative estimates only.
    • No product is ranked, recommended or endorsed.
    • No AI-generated investment recommendations are produced anywhere on the platform.
    • Rate figures are sourced exclusively from official government and regulatory channels.

    This page is provided for educational and informational purposes only and does not constitute financial advice. Results from linked calculators are estimates based on the inputs provided. Rates, tax brackets and regulations are subject to change. Refer to the Canada Revenue Agency (CRA) and the Bank of Canada and seek independent professional advice.

    Sources: CRA Bank of Canada