Your marginal tax rate is the rate you pay on the last dollar of income - the rate that determines the value of an RRSP deduction, the cost of an extra dollar of salary, or the benefit of an income-splitting strategy. In Canada, marginal rates combine federal and provincial brackets, and they vary substantially across provinces. For 2026, the federal lowest bracket rate is 14% (reduced from 15%), while top combined rates can reach over 54% in some provinces. This calculator looks up your combined federal plus provincial marginal rate based on your taxable income and province, and also shows your average effective tax rate for comparison. Use it to evaluate tax-planning decisions before you act.