Money & Benefits9 calculators and trackers
Money and Benefits Calculators for Canada
Work out your take-home pay, your 2026 tax refund, child benefits, EI and savings room, and compare the cost of living between cities. Built on CRA and Service Canada rates.
- Free
- No sign-up
- Official rates and rules
- Updated October 2026
- CalculatorSalary calculatorTake-home pay after tax, CPP and EI by province.Open →
- CalculatorIncome tax estimatorEstimate your 2026 tax refund or balance owing, including your first year as a newcomer.Open →
- TrackerTax brackets by provinceFederal and provincial income tax rates for 2026.Open →
- CalculatorCCB calculatorEstimate your Canada Child Benefit for 2026-27.Open →
- CalculatorEI calculatorEstimate regular, maternity and parental EI benefits.Open →
- CalculatorBenefits by status checkerWhich benefits you can get on a work permit, study permit or PR.Open →
- CalculatorTFSA, RRSP and FHSA roomContribution room for newcomers in their first years.Open →
- CalculatorCost of living calculatorCompare monthly budgets across Canadian cities.Open →
- CalculatorCar insurance estimatorEstimate a car insurance premium by province.Open →
Key facts for 2026
- Federal tax rates for 2026 are 14%, 20.5%, 26%, 29% and 33%; provinces add their own.
- Most workers lose roughly 22% to 35% of gross pay to tax, CPP and EI.
- The CCB pays up to $8,157 per child under 6 and $6,883 per child aged 6 to 17 (July 2026 to June 2027).
- EI pays 55% of average insurable earnings, up to $729 a week in 2026.
- TFSA room starts the year you become a resident: $7,000 for 2026, in full even if you arrive in December.
Which money calculator do I need?
Use the salary calculator for a job offer, the income tax estimator for your tax return, and the benefit calculators to see what you can receive.
| Your question | Tool |
|---|---|
| What will I take home from this salary? | Salary calculator |
| Will I get a refund at tax time? | Income tax estimator |
| What is my marginal tax rate? | Tax brackets by province |
| How much child benefit will I get? | CCB calculator |
| How much EI would I receive? | EI calculator |
| Which benefits can I get on my status? | Benefits by status checker |
| How much can I save tax-free? | TFSA, RRSP and FHSA room |
| Which city can I afford? | Cost of living and car insurance |
What money steps matter most in my first year?
File a tax return for your arrival year, apply for the CCB and the Canada Groceries and Essentials Benefit when you arrive, and open a TFSA once you are a resident.
- Benefits depend on filing: most are calculated from your tax return, even with little income.
- Temporary residents usually qualify for the CCB after 18 months in Canada; permanent residents right away.
- RRSP room is based on the previous year’s Canadian earned income, so newcomers usually have none in their first year.
How do I plan a budget before I move?
Start from take-home pay, not gross salary, then compare rent and daily costs in the cities you are considering.
Run your expected salary through the salary calculator, then use the cost of living calculator to see what is left after rent, utilities and groceries. If you will drive, add an estimate from the car insurance estimator; newcomers often pay more until they build Canadian driving history.
Canadianow is independent and not affiliated with the Government of Canada. Our tools give estimates for planning; confirm important decisions with the official source linked on each tool page.
Questions
Frequently asked questions
Are these calculators accurate for 2026?
They use 2026 federal and provincial tax rates and the July 2026 to June 2027 benefit amounts. Each tool shows the date of its data.
Do I need to file taxes to get benefits?
Yes. Most federal and provincial benefits are calculated from your tax return, so file every year, even with little or no income.
Can work permit holders get benefits?
Many benefits depend on tax residency rather than status. The CCB is the main exception: temporary residents usually qualify after 18 months in Canada.
Do the tools store my financial information?
No. The calculators run in your browser and nothing you enter is sent to our servers.
