What a Canadian freelancer keeps after CPP and federal tax (2026).
RealRateCalc team
Updated Oct 2026
Net self-employment income of C$60,000: CPP C$6,723.50, CPP2 C$0.00, federal tax C$6,192.73, keep C$47,083.77 before provincial tax. Estimate, not tax advice.
Province step: before credits. Leave the picker on none and provincial tax is not calculated. Ontario, Alberta, and British Columbia use the 2026 bracket before credits. Ontario surtax is not applied. CRA current-year brackets.
Updated Oct 2026
Keep C$47,083.77 before provincial tax. CPP C$6,723.50. CPP2 C$0.00. Federal tax C$6,192.73. Estimate, not tax advice. Tax year 2026.
Before provincial tax. Before the CPP deduction/credit adjustments. Basic personal amount C$16,452.00. Quebec (QPP) is not on this page. Estimate, not tax advice.
2026 federal tax and CPP only
Federal brackets: 14 percent to $58,523, 20.5 percent to $117,045, 26 percent to $181,440, 29 percent to $258,482, 33 percent above. Basic personal amount $16,452 when net income is $181,440 or less, phasing to $14,829 at $258,482 or more. The credit on this card is 14 percent of that amount. CPP is 11.9 percent of earnings between $3,500 and $74,600, maximum $8,460.90. CPP2 is 8 percent between $74,600 and $85,000, maximum $832. Provincial tax is not in the opening figure. Ontario, Alberta, and British Columbia can be added before credits. Ontario surtax is not applied. The CPP deduction and the enhanced-CPP credit are not applied. Sources: CRA federal rates, personal amount, CPP rates, and CPP2 rates pages.
The employee rate and the employer rate are each 5.95 percent in 2026. A self-employed person pays both, 11.9 percent, on pensionable earnings between the $3,500 exemption and the $74,600 YMPE. The published maximum is $8,460.90.
What is CPP2?
A second contribution on earnings between the YMPE of $74,600 and the YAMPE of $85,000, at 8 percent for a self-employed person (4 percent each side). The published maximum is $832.
Do I charge GST or HST?
That is the small-supplier test on the registration card, not this take-home card.
Does Quebec work the same way?
No. Quebec uses the QPP and Revenu Québec. Quebec is not on this page.
Is this my final tax?
No. The federal line is before the CPP deduction and credit. The province picker adds Ontario, Alberta, or British Columbia tax before credits from the 2026 brackets. Ontario surtax is not applied. Leave the picker on none and the keep stays C$47,083.77 before provincial tax. Quebec is not on this page. Other credits are not on this page.
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