Self-employed tax calculator Canada
Estimate income tax, CPP, and instalment planning for self-employed Canadian workers.
Estimate income tax, CPP, and instalment planning for self-employed Canadian workers.
Estimate income tax, CPP, and instalment planning for self-employed Canadian workers.
Estimate your 2026 tax bill if you're self-employed, freelance, gig-working, or running a side hustle. Includes the full 11.9% CPP (both employer + employee share), 2026 federal brackets, and your provincial rate. Pair with our CPP calculator, home office calculator, and late-filing penalty calculator.
| Category | Notes |
|---|---|
| Advertising | Online ads, business cards, listings |
| Meals & entertainment (50%) | Only 50% of qualifying meals are deductible |
| Insurance (business) | Liability, contents — not personal |
| Interest & bank charges | On business loans/accounts only |
| Professional fees | Accounting, legal, consulting |
| Office supplies | Stationery, printer ink, software subs |
| Supplies & materials | Cost of goods/inventory consumed |
| Telephone & utilities | Business portion only |
| Travel | Mileage at $0.72/km first 5,000 km, $0.66 after (2026) |
| Motor vehicle | Business-use % × actual costs OR per-km method |
| Home office (BIA) | % of home expenses if home is principal place of biz |
| Wages & subcontractors | T4A required for subcontractors paid >$500 |
Calculate your 2025 self-employed tax bill including federal + provincial income tax AND the full 11.9% CPP self-employed contribution. Estimates net income after T2125 expenses and shows your effective tax rate by province.
Q
How much tax do self-employed Canadians pay in 2026?
A
Self-employed individuals pay regular federal + provincial income tax plus the full 11.9% CPP contribution (vs 5.95% for employees) on net business income between $3,500 and $71,300. Add 8% CPP2 on income from $71,300 to $81,200. A typical self-employed Canadian earning $80K net pays roughly 28%–34% all-in depending on province.
Last reviewed 2026-04-21