Self-Employment Tax Calculator
See your real take-home after CPP/QPP and provincial income tax, plus what to set aside each quarter. Built for Canadian freelancers, gig workers, and side hustlers. 2026 rates, all provinces.
Self-Employment Tax Calculator
2026 income tax + CPP/QPP, all provinces
Your gross self-employment revenue for the year, before expenses.
Phone, supplies, fees, software.
Used to find your marginal bracket. Leave blank if none.
Enter your annual income to see your real take-home after tax and CPP.
How self-employment tax works in Canada
Self-employment income has no tax withheld at source, so nothing is taken off before it reaches you. Every dollar of net profit (your revenue minus business expenses) flows onto Form T2125 and is taxed at your marginal rate, on top of self-employed CPP or QPP.
The cost people most often forget is CPP. As a self-employed person you pay both halves, 11.9% in 2026 on net profit above $3,500. Combined with federal and provincial income tax, that is why setting money aside as you earn matters. Our guide on how much to set aside and the CRA instalment rules cover the timing.
If you drive for income, your vehicle is usually your biggest deduction, claimed by the CRA actual-cost method (real costs times business-use percentage), not a flat per-kilometre rate. And once you cross $30,000 in revenue you have to register for GST/HST. Rideshare drivers are the exception: they register from the first fare. NorthOS tracks all of this for you as the money comes in.
Frequently asked questions
How much tax will I pay on self-employment income in Canada?
It depends on your province and your total income. Your net self-employment profit is added to any other income and taxed at your combined federal and provincial marginal rate, plus self-employed CPP of 11.9% (QPP 12.6% in Quebec) on profit above $3,500. The calculator estimates all of it for your province.
Do I pay CPP on self-employment income?
Yes. Self-employed Canadians pay both the employee and employer halves of CPP, 11.9% in 2026 on net income between $3,500 and $74,600 (plus CPP2 above that). In Quebec it is QPP at 12.6%. It is usually the single biggest cost on self-employment income, which is why it surprises people who only budgeted for income tax.
How much should I set aside for taxes?
A common rule of thumb is 25 to 30% of net profit, but the right number depends on your province and other income. Use the calculator for a personalized figure, and see our guide on how much to set aside for taxes in Canada.
Do gig workers and rideshare drivers pay GST/HST?
Passenger rideshare drivers (Uber, Lyft) must register for GST/HST from their first fare, because the CRA treats rideshare as a taxi business. Food delivery couriers (Uber Eats, SkipTheDishes, DoorDash, Instacart) and most other self-employed people only register once gross revenue passes $30,000. The calculator flags which rule applies to you.
Can I deduct my car for gig work?
Yes, but only by the actual-cost method. The CRA does not let self-employed people claim a flat per-kilometre rate. You total your real vehicle costs and multiply by your business-use share (business kilometres divided by total kilometres). The calculator applies this for you.
Stop guessing what you owe
NorthOS tracks your self-employment income, expenses, and CPP set-aside as you go, so tax time is not a scramble.
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