Freelancer Quarterly Tax & Take-Home Pay Calculator
Enter your annual income and expenses, and see exactly what you owe in federal tax, BC provincial tax, and CPP/CPP2 — plus your true take-home pay and quarterly instalment amounts. Built for the 2026 tax year.
Download for freeInstant download, no payment required right now. Excel (.xlsx) — opens in Excel or Google Sheets.
- Full 2026 federal and BC tax bracket tables, built as live formulas
- CPP and CPP2 self-employed contribution calculations
- True annual and monthly take-home pay
- CRA quarterly instalment due dates and amounts
- Every rate cited with its source, on a dedicated sheet
How accurate is this?
Federal and BC 2026 tax brackets and CPP/CPP2 figures are sourced from TaxTips.ca (confirmed to CRA data) and cross-checked against a second independent source. This is a simplified estimator, not a filing tool — it excludes the Basic Personal Amount and other credits that would lower actual tax owed. See the "Tax Brackets" sheet inside the file for full sourcing.
Questions about this calculator
Does this replace an accountant?
No. This gives you a fast, accurate estimate so you know roughly what to set aside and when. For exact filing numbers, talk to an accountant.
What if I'm outside British Columbia?
This version is built specifically for BC provincial tax rates. Other provinces are on the roadmap — see the full calculator list for what's available now.
What happens when tax rates change next year?
Each calculator is dated to a specific tax year. When rates change, a new version is published rather than silently changed underneath you.