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Federal + provincial estimates, CPP, and EI — illustrative only.
All provinces Federal + provincial Free
Select any province to compare federal + provincial tax, CPP, and EI — illustrative only.
| Gross income | $75,000 |
| Federal tax | −$8,259 |
| Provincial tax (Ontario) | −$4,446 |
| CPP contribution | −$4,246 |
| EI premium | −$1,123 |
| Net income | $56,926 |
Net take-home
$56,926
Total tax & premiums: $18,074
Where your money goes
Canada's income tax system combines federal tax with provincial or territorial tax — meaning your total tax bill depends heavily on which province you live in. For 2026, combined federal + provincial marginal rates vary significantly: Alberta is consistently among the lowest-tax provinces for middle and upper-middle incomes, while Quebec reaches the highest top marginal rates in the country. Ontario and BC have complex middle brackets with distinct steps that affect salaried professionals differently depending on income level. This hub calculator lets you compare your take-home pay across all Canadian provinces in one place.
Alberta is consistently the lowest-tax province for most income levels in 2026, thanks to a flat 10% provincial rate and no provincial sales tax. At $100,000 income, an Alberta resident pays significantly less combined tax than an equivalent earner in Quebec or Ontario. Nunavut and the Northwest Territories often rank low for combined rates at certain income levels as well.
| Province | Top Marginal Rate | Notes |
|---|---|---|
| Quebec | ~53.3% | Highest top rate in Canada |
| Nova Scotia | ~54.0% | High top rate on income over $150K |
| Ontario | ~53.5% | Surtax applies on higher income |
| PEI | ~51.4% | Distinct bracket structure |
| BC | ~53.5% | Complex middle brackets |
| Manitoba | ~50.4% | Mid-range province |
| Saskatchewan | ~47.5% | Lower top rate |
| New Brunswick | ~52.5% | Progressive brackets |
| Alberta | ~48.0% | Lowest top rate among large provinces |
| Federal only | ~33.0% | Base federal rate above $235K |
| Province | Est. Combined Tax | Est. Net Take-Home |
|---|---|---|
| Alberta | ~$19,500 | ~$60,500 |
| Saskatchewan | ~$20,800 | ~$59,200 |
| BC | ~$21,500 | ~$58,500 |
| Ontario | ~$21,800 | ~$58,200 |
| Manitoba | ~$22,400 | ~$57,600 |
| Quebec | ~$24,200 | ~$55,800 |
| Nova Scotia | ~$23,100 | ~$56,900 |
The most commonly searched income tax comparisons in Canada are Ontario vs Alberta (relocation planning), Quebec vs Ontario (francophone workers moving between provinces), and BC vs Alberta (West Coast comparison). At $100,000 income, an Ontario resident pays approximately $2,000–$3,500 more in combined tax than an Alberta resident. A Quebec resident pays approximately $4,000–$6,000 more than an Alberta resident at the same income.
On $100,000 of employment income in Ontario you pay about $20,024 of federal and provincial income tax in 2026, an average rate of 20.0%.
| Income | Federal tax | Ontario tax | Total income tax | Average rate |
|---|---|---|---|---|
| $50,000 | $3,985 | $2,288 | $6,273 | 12.5% |
| $75,000 | $8,259 | $4,446 | $12,705 | 16.9% |
| $100,000 | $13,302 | $6,723 | $20,024 | 20.0% |
| $150,000 | $25,302 | $14,608 | $39,911 | 26.6% |
| $200,000 | $38,877 | $24,076 | $62,952 | 31.5% |
Employment income only, with basic personal amounts, the Canada employment amount and CPP/EI credits; Ontario tax includes the Ontario surtax and the Ontario Health Premium. CPP and EI contributions are payroll deductions, not income tax, and are not in these totals.
Alberta has the lowest income tax for most income levels in 2026, with a flat 10% provincial rate and no provincial sales tax. At $80,000 income, Alberta residents keep approximately $2,000–$4,000 more than Ontario residents after combined federal + provincial tax.
Nova Scotia and Quebec have the highest combined federal + provincial top marginal rates in Canada in 2026, reaching approximately 53–54% on high incomes. Quebec's unique tax structure also means middle-income earners face higher rates than in most other provinces.
At $80,000 income, an Ontario resident pays approximately $21,800 in combined tax vs $19,500 in Alberta — a difference of about $2,300 per year. At $150,000 income, the gap widens to $5,000–$8,000 per year in favour of Alberta.
Yes. Federal income tax rates are the same across all provinces and territories — 15% to 33% depending on income. The difference between provinces comes entirely from the provincial tax rate layered on top of the federal rate.
Quebec administers its own provincial income tax separately from CRA — Quebec residents file two tax returns (federal and provincial). Quebec's combined marginal rates are among the highest in Canada, but Quebec also offers more provincial tax credits and social programs funded by the higher tax burden.
Ontario's combined federal + provincial top marginal rate is approximately 53.5% on income above $220,000. At $80,000 income, the effective combined rate is approximately 27%. Ontario also has a provincial surtax that applies at higher income levels, making the bracket structure more complex than provinces like Alberta.
Educational estimates only. Not tax advice.