Canada Self-Employed Tax Calculator (2026)
Work out federal income tax and self-employed CPP contributions on your 2026 self-employed income, plus the provincial rate you enter.
How to use this
- Enter your net profit for the year.
- Set your expected tax rate.
- See how much to set aside each quarter — sources are listed below.
- Per quarter
- —
- Share of your profit
- Federal income tax
- —
- Provincial income tax
- —
- CPP contributions
- —
2026 federal rates plus self-employed CPP, with the provincial rate you enter. Excludes EI, GST/HST, Quebec's own system and credits other than the basic personal amount. Amounts are in Canadian dollars.
How this estimate works
How much CPP do self-employed people pay in 2026?
11.9% on earnings between $3,500 and $74,600 (the base plus the first CPP enhancement), plus 8% on earnings between $74,600 and $85,000 (CPP2). Self-employed people pay both the employee and employer portions, and half of what you pay is deducted from your income for tax purposes.
When are my taxes due?
Self-employed individuals have until June 15, 2026 to file, but any balance owing for 2025 is still due by April 30, 2026. If you must pay by instalments, the usual due dates are March 15, June 15, September 15 and December 15.
Is this tax advice?
No. It is a planning estimate that excludes EI, GST/HST, Quebec’s separate system and most credits beyond the basic personal amount. An accountant or the CRA can confirm exactly what you owe.
Sources
- Canada Revenue Agency – Current year tax rates and income brackets
- Canada Revenue Agency – CPP contribution rates, maximums and exemptions
- Canada Revenue Agency – Due dates and payment dates
Rates for 2026, last checked 2026-09.
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