Last updated: May 2026
Informational Use Only
OntarioSelfEmployedTaxCalc.ca is provided for informational and personal planning purposes only. By using this calculator, you agree that results are estimates and do not constitute tax advice, accounting advice, legal advice, payroll advice, or any other form of professional financial guidance. Nothing on this site creates a professional relationship of any kind.
No Professional Advice
Results produced by this calculator should not be used as a substitute for advice from a qualified tax professional, CPA, accountant, payroll specialist, or the Canada Revenue Agency (CRA). If your tax situation is complex — or if you need to verify specific amounts — consult a qualified professional or contact the CRA directly.
Estimates May Differ From Official Calculations
Calculator results are estimates based on publicly available 2026 federal and Ontario tax rates, CPP contribution limits, and Ontario Health Premium tiers. Actual amounts may differ from:
- CRA guidance, rulings, or official payroll publications (T4127, T4032)
- Tax preparation software or T1 filing results
- Final tax assessments or reassessments from CRA
- Schedule 8 CPP calculations, which handle the exact split between deduction and credit lines
- Personal credits, RRSP contributions, pension adjustments, or other deductions not modelled here
This calculator includes Ontario Health Premium and Ontario surtax. Results reflect self-employed CPP contributions (both employee and employer portions) and do not include EI premiums unless you have opted into the CRA Self-Employed EI Special Benefits Program.
Your Responsibility to Verify
You are solely responsible for verifying any information produced by this calculator against official sources before making financial or tax-related decisions. Official sources include the CRA, a licensed tax professional, or a qualified accountant.
Do not rely on this calculator as the final word on your tax situation. Use it as a starting point, then confirm with people or systems that have access to your full financial picture.
No Guarantee of Accuracy, Completeness, or Availability
We make no representations or warranties — express or implied — regarding the accuracy, completeness, currentness, or fitness for a particular purpose of any result produced by this calculator. Tax rates, thresholds, and contribution limits change annually. While we update rates for each tax year, we cannot guarantee that all values are current at the time of your use.
This site is provided "as is" and may be unavailable from time to time due to maintenance, technical issues, or circumstances outside our control. We reserve the right to correct errors, update content, or modify the calculator at any time without notice.
Limitation of Liability
To the fullest extent permitted by applicable law, OntarioSelfEmployedTaxCalc.ca, its operators, and the Calc-HQ.ca network shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or reliance on, this calculator or any information on this site. This includes — but is not limited to — financial loss, tax penalties, or decisions made based on calculator results.
Acceptable Use
This calculator is provided for personal, non-commercial use. You agree not to:
- Reproduce, redistribute, or republish calculator results as professional tax guidance
- Use this site in any way that violates applicable Canadian federal or provincial law
- Attempt to reverse-engineer, scrape, or automate use of the calculator for commercial purposes without prior written permission
- Misrepresent calculator estimates as official CRA calculations
Changes to These Terms
We may update these Terms of Use at any time. The date at the top of this page reflects the most recent revision. Continued use of this site after any update constitutes your acceptance of the revised terms. If you do not agree with the updated terms, discontinue use of the site.
Governing Law
These Terms of Use are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.
Contact
Questions about these terms? Visit our Contact page.