Nirvair Wealth

Personal Income Tax Tool

Calculate your personal income tax with this smart tool.

Personal Income Tax

No complicated mortgage math needed. Use the balance and rate from your mortgage statement.

Province and T4

Province / territory

Quebec is intentionally excluded from this calculator because its filing mechanics require separate Quebec-specific treatment.

Employment income — T4 Box 14

Income tax deducted — T4 Box 22

Other taxable income

Deductions

Other eligible deductions

RRSP deduction limit available

Use your latest Notice of Assessment / CRA account.

RRSP deduction to test

Tax instalments already paid

RRSP tested: $0

Calculator loaded successfully.

ESTIMATED 2026 TAX POSITION

$0

Change the inputs to see the estimate.

TOTAL INCOME$0

TAXABLE INCOME$0

ESTIMATED INCOME TAX$0

APPROX. MARGINAL RATE0%

RRSP tax planner

TAX WITHOUT RRSP$0

TAX WITH RRSP$0

EST. CURRENT TAX SAVED$0

TAX SAVED PER $1 RRSP—

Planning estimate only. This version deliberately uses a simpler, stable calculation engine so it works reliably as a planning calculator. It models 2026 federal and provincial/territorial brackets plus simplified basic personal credits. It is not a filing engine and does not include every credit, surtax, benefit, CPP/EI item, dividend/capital-gain rule, AMT, or special case.

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