✨ 2025–2026 Tax Calculator • Free

Maximize Your Tax Benefits
the Smart Way

Discover how your contributions impact your family's finances. Compare RRSP, FHSA, donations, and RESP and see the estimated impact on taxes and benefits (CCB, GST/HST, and more).

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✓ Free to use — no account required.
2025–2026
Tax years
Instant
Results
Free
Calculator

Choose your tool

Optimize contributions or model salary growth and extra jobs

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Contribution optimizer

Compare RRSP, FHSA, donations, RESP and common deductions. See estimated impact on taxes and benefits.

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Income impact (raises & extra jobs)

Add a raise and 2nd/3rd job income and see the delta in tax, payroll, benefits, and EMTR (benefit clawbacks included).

Open income impact wizard →
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Comprehensive Tax Planning Features

Everything you need for smart financial optimization

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RRSP Impact Analysis

See real-time how your RRSP contributions affect taxes, CCB, GST/HST credits, and take-home income.

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Family Benefits Calculator

Calculate CCB per child, GST/HST credits, Canada Workers Benefit, and provincial benefits for your family.

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All Provinces & Territories

Accurate calculations for all Canadian provinces including Quebec's unique tax system and abatement.

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Marital Status Support

Calculations adjust for single or married status, including spouse income for family benefit calculations.

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2025 & 2026 Data

Up-to-date tax brackets and benefit parameters from official CRA and provincial sources.

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Live Dashboard

Interactive dashboard updates instantly as you adjust RRSP, FHSA, charitable donations, and common deductions.

How It Works

Simple steps to optimize your tax situation

1

Enter Your Info

Income, province, marital status, and children details

2

Set Contributions

Choose your RRSP, FHSA, and other deductions

3

See Impact

Instant calculations of tax refunds and benefits

4

Optimize & Plan

Adjust in real-time to find your best strategy

Calculate All Your Benefits

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Canada Child Benefit (CCB)
Per-child breakdown with monthly estimates
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GST/HST Credit
Quarterly payment calculations
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Canada Workers Benefit
Maximum benefit with disability supplement
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Quebec Family Allowance
Provincial benefits for Quebec residents
2025 & 2026
Official Tax Brackets
Start Your Calculation →
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Ready to Optimize Your Taxes?

Plan your contributions and see the estimated impact instantly.

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