The free freelance tax calculator for Canada: enter your expected net income and see your whole bill — federal + provincial tax (verified for ON, QC, BC, AB, MB, SK, NS and NB), CPP + CPP2 (QPP + QPIP in Québec), and the Ontario surtax and health premium most calculators skip — plus the monthly amount to set aside. Have a day job too? Add your T4 employment income and see the combined bill, with CPP coordinated between the two the way Schedule 8 does it. For example: in 2026, $75,000 of net self-employment income in Ontario works out to about $20,212.57 of tax + CPP — a 27.0% effective rate (worked examples below).
✓ Every figure on this page is computed from CRA & Revenu Québec published rules — figures last re-verified · how we verify
New to mixing a day job with side income? Start with the side hustle tax calculator for the plain-English walkthrough.
In 2026, $75,000 of net self-employment income in Ontario costs about $20,212.57 all-in — federal tax $7,755.44, Ontario tax $3,964.22 (including the surtax and health premium) and CPP + CPP2 $8,492.90 — an effective rate of 27.0%, or about $1,684 to set aside each month. The table below shows the same engine-computed estimate at other incomes and provinces; enter your own numbers above for your exact figure.
| Province | Net SE income | Federal tax | Provincial tax | CPP / QPP (both halves) | Total tax + CPP | Effective rate | Monthly set-aside |
|---|---|---|---|---|---|---|---|
| Ontario | $30,000 | $1,455.23 | $999.80 | $3,153.50 | $5,608.53 | 18.7% | $467 |
| Ontario | $50,000 | $3,922.03 | $2,039.61 | $5,533.50 | $11,495.14 | 23.0% | $958 |
| Ontario | $75,000 | $7,755.44 | $3,964.22 | $8,492.90 | $20,212.57 | 27.0% | $1,684 |
| Ontario | $100,000 | $12,716.44 | $6,328.52 | $9,292.90 | $28,337.87 | 28.3% | $2,361 |
| Ontario | $150,000 | $24,461.43 | $13,887.99 | $9,292.90 | $47,642.32 | 31.8% | $3,970 |
| British Columbia | $30,000 | $1,455.23 | $763.31 | $3,153.50 | $5,372.04 | 17.9% | $448 |
| British Columbia | $50,000 | $3,922.03 | $1,750.03 | $5,533.50 | $11,205.56 | 22.4% | $934 |
| British Columbia | $75,000 | $7,755.44 | $3,397.24 | $8,492.90 | $19,645.58 | 26.2% | $1,637 |
| British Columbia | $100,000 | $12,716.44 | $5,260.64 | $9,292.90 | $27,269.98 | 27.3% | $2,272 |
| British Columbia | $150,000 | $24,461.43 | $10,931.65 | $9,292.90 | $44,685.98 | 29.8% | $3,724 |
| Alberta | $30,000 | $1,455.23 | $326.20 | $3,153.50 | $4,934.93 | 16.4% | $411 |
| Alberta | $50,000 | $3,922.03 | $1,735.80 | $5,533.50 | $11,191.33 | 22.4% | $933 |
| Alberta | $75,000 | $7,755.44 | $3,675.58 | $8,492.90 | $19,923.92 | 26.6% | $1,660 |
| Alberta | $100,000 | $12,716.44 | $6,095.58 | $9,292.90 | $28,104.92 | 28.1% | $2,342 |
| Alberta | $150,000 | $24,461.43 | $11,095.58 | $9,292.90 | $44,849.91 | 29.9% | $3,737 |
| Québec | $30,000 | $1,166.64 | $1,047.17 | $3,568.20 | $5,782.01 | 19.3% | $482 |
| Québec | $50,000 | $3,192.19 | $3,472.98 | $6,241.00 | $12,906.17 | 25.8% | $1,076 |
| Québec | $75,000 | $6,323.53 | $7,266.93 | $9,563.60 | $23,154.06 | 30.9% | $1,930 |
| Québec | $100,000 | $10,439.10 | $11,834.01 | $10,554.60 | $32,827.72 | 32.8% | $2,736 |
| Québec | $150,000 | $20,215.72 | $23,277.29 | $10,577.52 | $54,070.52 | 36.0% | $4,506 |
Computed for the 2026 tax year by the same verified engine as the calculator above (use the calculator for 2025 or your own numbers). Assumes net self-employment income only, basic personal amount only, nothing withheld. Ontario provincial tax includes the surtax and the Ontario Health Premium. Québec rows: the pension column is QPP + QPIP at self-employed rates and federal tax is shown after the 16.5% Québec abatement; the health services fund contribution, RAMQ drug premium and workers' deduction are not included. Estimates only — see the disclaimer below.
There's no flat rate — it's your marginal brackets plus CPP. Example: at $75,000 net self-employment income (2025, Ontario), the estimated total is $20,467.43 — an average rate of 27.3%.
At $75,000 (Ontario, 2025), about $1,706 per month covers income tax + CPP (27%). Enter your own income above for your exact number.
Your side income stacks on top of your salary, so it's taxed at your highest brackets — and you pay both halves of CPP on it, coordinated with the CPP already withheld at work (Schedule 8: your employment contributions use up the room first). Example from this calculator: a $60,000 day job plus $20,000 of net side income (2025, ON) adds about $7,572.13 to your return. Enter your own numbers above — including your T4 box-22 tax withheld — for your balance owing.
Your income tax rates are the same — there's no special "self-employment tax rate" in Canada. The differences: you pay both halves of CPP (an employee pays half and their employer pays half), nothing is withheld from your invoices (so the bill lands at filing or through instalments), and you deduct business expenses on form T2125 before tax applies.
Ontario, Quebec, British Columbia, Alberta, Manitoba, Saskatchewan, Nova Scotia and New Brunswick — every bracket, basic personal amount, the Ontario surtax and health premium, Manitoba's high-income BPA phase-out, and for Quebec: QPP, QPIP and the 16.5% federal abatement, all verified against published figures with an automated test suite. The territories show federal tax + CPP with a clear note. Not modelled: provincial low-income reductions (BC/NS/NB may see slightly high estimates at very low incomes) and Quebec's health services fund contribution, RAMQ drug premium and workers' deduction (Quebec totals may run slightly low). Quebec freelancers: see the dedicated Quebec guide — aussi disponible en français.
No — GST/HST is a separate tax you collect from clients once registered. Registration becomes mandatory once you exceed $30,000 of revenue — in a single calendar quarter, or over four consecutive quarters (at or under that, you're still a small supplier). Check your exact status and deadline with the GST/HST registration calculator; once registered, the Quick Method calculator shows whether the simpler remittance rate saves you money. Use the T2125 Generator for an estimate that includes your net GST/HST owing.
Possibly — the CRA requires quarterly instalments once your net tax owing passes a threshold this year and in a recent year, and self-employment income has nothing withheld. Use the 2026 tax instalments calculator to see whether they apply to you and how much each payment would be.
Now lower that number. Find the deductions you're missing, then generate your T2125 with the right amounts on the right lines.
Find My Missing Deductions → T2125 Generator →One short email when a CRA deadline or tax figure that affects freelancers changes. No spam, unsubscribe anytime.