All provinces and territories · 2026 tax year
Your take-home pay, savings and goals, explained simply.
Free calculators for people in Canada, built on official sources. Answer a few questions and see where you stand.
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What do you want to know?
- How much will I take home?Your net pay per pay, with federal and provincial tax, CPP/QPP and EI.You'll need: your gross annual salary and your provinceAbout 1 minOpen
- How much can I put in my TFSA, RRSP or FHSA?Your contribution room this year, account by account.You'll need: your birth year, your salary, and what you already contributedAbout 2 minOpen
- Where does my money go each month?A monthly budget, an emergency fund and your savings goals, in one place.You'll need: your monthly take-home pay and your main expensesAbout 5 minOpen
- How much could my savings grow?Compound interest with regular contributions, in three scenarios.You'll need: a starting amount, a monthly contribution and a hypothetical returnAbout 1 minOpen
The economy in 3 figures
- Inflation (12-month CPI)3.1%Sep 2026
Up 0.1 vs previous month.
- Bank of Canada policy rate2.50%Oct 30, 2026
Up 0.25 vs previous decision.
- US dollar (USD/CAD)1.3960Oct 30, 2026
Down 0.0025 vs previous business day.
Source: Bank of Canada
See all indicatorsUnderstand before you calculate
All guidesShort guides, with official sources, that lead straight to the right calculator.
- TFSA, RRSP or FHSA: what are the differences?Three registered accounts, three different logics. Here is what sets them apart, with the official 2026 figures.2 min readRead the guide
- From gross to net pay: what is deducted from your payGross pay is the amount before deductions; net pay is what reaches your account. Here is what happens in between in 2026, wherever you live in Canada.2 min readRead the guide
- TFSA contribution room: how to work it outYour TFSA room is the sum of the annual limits since you became eligible, minus what you contributed, plus your past withdrawals.1 min readRead the guide
- RRSP contribution room: how it is calculatedYour RRSP room depends on your income from the previous year, an annual limit and your unused room. Here is how the CRA calculates it.1 min readRead the guide
Numbers you can check
2026 tax data: 83 figures taken from official sources, last checked on October 31, 2026.
Every figure is sourced
Each rate and threshold links to its official publication and shows whether it has been verified.
Honest about limits
If a figure is unverified or missing, we say so instead of showing a confident number.
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Educational estimate — not advice.
Educational estimates only — not personalized tax, legal or financial advice. Confirm with official sources or a qualified professional.