Canada Freelancer Tax Calculator 2026
Blue theme freelancer tax tool
Canada Freelancer Tax Calculator 2026
Estimate 2026 Canadian freelancer taxes with business income, deductible expenses, self-employed CPP, and optional GST/HST set-aside guidance in one clean calculator.
Freelancer income details
This version estimates federal tax plus self-employed CPP outside Québec, and shows GST/HST planning guidance by province or territory.
Used for GST/HST planning. Québec uses a different provincial system and is flagged separately here.
Total billed self-employed revenue before expenses.
Software, home office, contractor costs, equipment, travel, and other deductible expenses.
Optional extra taxable income such as employment, interest, or side income.
If yes, the calculator estimates GST/HST collected on taxable sales using your selected province.
Optional extra tax reserve buffer for a more conservative set-aside plan.
Live summary
Preview values update while you edit the inputs.
Net self-employed income $78,000.00
Estimated federal tax $9,469.08
Estimated self-employed CPP $8,732.90
Suggested monthly reserve $1,593.51
Included here: 2026 federal income tax, federal BPA estimate, self-employed CPP/CPP2 outside Québec, and GST/HST set-aside planning. Provincial income tax is not included in this version.
Suggested total tax reserve
$19,122.16
Your freelancer tax summary will appear here.
Federal + CPP estimate
Net Business Income $78,000.00
Federal Tax Estimate $9,469.08
CPP / CPP2 Estimate $8,732.90
After-Tax Income $58,877.84
Effective Tax Rate 24.52%
Monthly Tax Reserve $1,593.51
GST/HST on Sales $11,700.00
Small Supplier Check Above $30,000 threshold
Reserve planning
Federal income tax estimate
$9,469.08
Self-employed CPP and CPP2
$8,732.90
Extra safety buffer
$920.18
Optional GST/HST collected on invoices
$11,700.00
How to read this: use the total reserve for income tax planning, and keep GST/HST collected on invoices separate from your income so it is available when remittance time comes.
