Federal and provincial together
Both layers are computed for your province, including the Ontario surtax and the Quebec abatement, which generic calculators routinely leave out.
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See plans Income tax
Estimate your income tax from income you already track
Not a blank calculator asking you to guess your annual salary. It runs on the pay you have already recorded, at the frequencies you actually get paid.
Available onUltra
What you get
Credits that change the answer
CPP and EI contribution credits and the basic personal amount, including its reduction at higher income, are modelled rather than assumed away.
Runs on your real income
Your recorded pay, at its real frequency, so an uneven year is not flattened into twelve identical months.
A what-if you can ask
Test a raise, a second job or a change of province and see the effect on tax and on take-home.
How it works
Record your income
Pay sources with their frequencies. Actual amounts for a period improve the estimate.
Confirm your province
The provincial layer, surtax and abatement all follow from it.
Read the estimate
Federal, provincial, credits and the resulting take-home, broken out rather than reduced to one figure.
An estimate, and never a filing
This is a planning tool. It exists so you can see roughly where a year is heading and what a change would do, not to produce a return. It does not know about every credit, deduction or carry-forward that applies to you, and it is not tax advice. Sales tax is the part of the engine held to a stricter standard: those rates are unit tested across all thirteen jurisdictions because they affect the total on every receipt you record.
Common questions
Which plan includes the income tax estimator?
Ultra. It sits with the contribution-room tracker and the net-worth timeline as the deeper planning tools, rather than being metered by the Maple allowance.
Is this the same as the sales tax calculator?
No. The free sales tax calculators cover GST, HST, PST and QST on a purchase and are public. This estimates income tax on earnings and needs your recorded income, so it lives inside the app.
Can I use it to file my taxes?
No. It is a planning estimate, not a return and not tax advice. It does not model every credit, deduction or carry-forward, and figures should be confirmed before you rely on them.
Does it handle Quebec?
Yes, including the Quebec abatement, which is a common omission in generic calculators and materially changes the federal figure for Quebec residents.
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