ToolDingo

Self-Employed Tax Calculator Canada

The simplified 2026 model includes basic personal tax credits and phase-outs, CPP or QPP base, enhanced, and second-tier contributions, and Quebec’s federal abatement. Optional EI, GST/HST, and other credits and deductions are excluded.

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Keep the deduction within your available contribution room.

From revenue to available income

The calculator first subtracts entered business expenses from revenue. It then applies a simplified progressive federal and provincial tax model plus self-employed CPP contributions to the remaining profit.

Use the estimate step by step

  1. Enter annual business revenue.
  2. Enter deductible business expenses.
  3. Select the province or territory.
  4. Enter an RRSP deduction being claimed or leave it at zero.

CPP for self-employed workers

The simplified 2026 model includes basic personal tax credits and phase-outs, CPP or QPP base, enhanced, and second-tier contributions, and Quebec’s federal abatement. Optional EI, GST/HST, and other credits and deductions are excluded.

Limits of the model

The simplified 2026 model includes basic personal tax credits and phase-outs, CPP or QPP base, enhanced, and second-tier contributions, and Quebec’s federal abatement. Optional EI, GST/HST, and other credits and deductions are excluded.

Frequently Asked Questions

Do self-employed Canadians pay CPP?
Yes — self-employed people pay both the employee and employer CPP contributions (11.9% total in 2026) on net self-employment income up to the maximum pensionable earnings.
Do self-employed people pay EI?
EI is optional for the self-employed. You can opt into a special EI program for self-employed, which covers maternity, parental, sickness, and caregiving benefits.
What expenses can self-employed Canadians deduct?
Common deductions include home office expenses (if applicable), vehicle expenses (business portion), professional fees, subscriptions, equipment, and any expense incurred to earn business income.
How does the province affect the estimate?
Each province or territory has its own modeled brackets and basic personal amount in addition to federal tax.
Is an RRSP deduction included?
Yes. The entered deduction reduces modeled taxable income but is not checked against your personal contribution room.
Does this include GST or HST?
No. Sales-tax registration, collection, remittance, and input tax credits are separate from this income-tax estimate.