Freelancer Rate & Tax Calculator (Ontario 2026)
Work out the hourly rate a self-employed Ontarian needs to charge to take home a target income after income tax, CPP/CPP2 and expenses. All amounts in Canadian dollars (CAD).
How it works
- 2026 federal brackets (14% to 33%) and basic personal amount; 2026 Ontario brackets, surtax, Ontario tax reduction and Ontario Health Premium.
- Self-employed CPP: 11.9% on earnings between $3,500 and $74,600, plus CPP2 at 8% up to $85,000; the employer half and enhanced portions are deducted, the base employee half is a credit.
- HST: registration is required once revenue passes $30,000 in four consecutive quarters; HST you collect is not income, so the rate with HST is what you invoice.
Free vs Pro
Free
- One scenario at a time
- Hourly and day rate, with and without 13% HST
- Tax, CPP/CPP2 and set-aside breakdown
- HST registration and instalment check
No account needed. Nothing you type is saved. With a free account (no card): 2 full PDF/CSV exports a month, shared across all tools.
Pro adds
- Compare up to 3 scenarios side by side
- Download a PDF report
- Export results to CSV
- JSON API with your licence key
Get Pro: CA$5.00 CAD/month or CA$49.00 CAD/year · one plan for all our tools · cancel any time · secure Stripe checkout
About this tool
Freelancer Rate & Tax Calculator (Ontario 2026) is a free online tool from Crusader Empire: Find the hourly rate you need to charge, after tax, CPP and HST. Enter the take-home pay you want, your business expenses and how many hours you can really bill. The calculator works backwards through 2026 federal and Ontario income tax (including the surtax and Ontario Health Premium), both halves of CPP…
Free: One scenario at a time, Hourly and day rate, with and without 13% HST, Tax, CPP/CPP2 and set-aside breakdown. Pro adds: Compare up to 3 scenarios side by side, Download a PDF report, Export results to CSV.
Related tools: Side-Hustle Tax Calculator (Ontario 2026) · CPP & EI Calculator for the Self-Employed (2026) · Salary After Tax Calculator by Province (Canada 2026)
Related downloads: The Foundational Small Business Ledger: A Manual for Orderly Finances · The Systematic Personal Ledger: A Framework for Financial Clarity
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What would make Freelancer Rate & Tax Calculator (Ontario 2026) more useful? Bugs, missing features, confusing wording: our R&D team reads every suggestion. Nothing is offered in return, and we never publish reviews without permission.