Self Employed Tax Calculator Canada 2026, CPP & CRA Instalment Planner, Ontario BC Alberta Freelancer Spreadsheet, Google Sheets Excel

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  • Digital download
  • Digital file type(s): 2 Files

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Find out what you'll owe CRA for 2026 before April, and how much to set aside from every payment.

This spreadsheet is for Canadian freelancers, sole proprietors, gig workers, Etsy sellers and anyone with a side hustle in Ontario, British Columbia or Alberta. Enter your revenue and expenses, and it estimates:

• Federal + provincial income tax for 2026 (pick your province from a dropdown)
• CPP and CPP2 on self-employment income (both halves, like Schedule 8)
• Your total 2026 bill and what's left after T4 withholding
• The % of each payment to put aside
• Whether CRA instalments are likely, plus a suggested amount for each due date (Mar 15, Jun 15, Sep 15, Dec 15)
• A monthly income log that projects your full year

Built on official 2026 numbers. Every rate and threshold (14% lowest federal rate, the new 5.60% BC rate from BC Budget 2026, the Ontario surtax and Health Premium, the Alberta 8% bracket, CPP $74,600/$85,000) comes from the CRA or a provincial government. Each one is listed with a link on the Sources tab. The formulas were checked against CRA's own worked examples.

Blank + filled example included: you get a BLANK file ready for your own numbers and an EXAMPLE file filled with sample data so you can see how everything works. Google Sheets tip: import it, then File > Make a copy to keep a clean original.

Includes
• Start Here guide
• Estimator (inputs → full breakdown)
• Income Log (12 months)
• Rates tab (every number in one place)
• Sources & Disclaimer

Works with Microsoft Excel, Google Sheets (upload to Drive, then open) and LibreOffice. Instant digital download. Nothing physical ships.

Quebec resident? Get the separate Quebec edition (QPP, QPIP, Revenu Québec, Quebec abatement).

Please note: this is a planning estimate, not tax advice and not a tax return. It assumes a single filer and only the credits listed (no spouse/dependant, tuition, medical or donation credits). Valid for the 2026 tax year only.

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Specifications

Find out what you'll owe CRA for 2026 before April, and how much to set aside from every payment.

This spreadsheet is for Canadian freelancers, sole proprietors, gig workers, Etsy sellers and anyone with a side hustle in Ontario, British Columbia or Alberta. Enter your revenue and expenses, and it estimates:

• Federal + provincial income tax for 2026 (pick your province from a dropdown)
• CPP and CPP2 on self-employment income (both halves, like Schedule 8)
• Your total 2026 bill and what's left after T4 withholding
• The % of each payment to put aside
• Whether CRA instalments are likely, plus a suggested amount for each due date (Mar 15, Jun 15, Sep 15, Dec 15)
• A monthly income log that projects your full year

Built on official 2026 numbers. Every rate and threshold (14% lowest federal rate, the new 5.60% BC rate from BC Budget 2026, the Ontario surtax and Health Premium, the Alberta 8% bracket, CPP $74,600/$85,000) comes from the CRA or a provincial government. Each one is listed with a link on the Sources tab. The formulas were checked against CRA's own worked examples.

Blank + filled example included: you get a BLANK file ready for your own numbers and an EXAMPLE file filled with sample data so you can see how everything works. Google Sheets tip: import it, then File > Make a copy to keep a clean original.

Includes
• Start Here guide
• Estimator (inputs → full breakdown)
• Income Log (12 months)
• Rates tab (every number in one place)
• Sources & Disclaimer

Works with Microsoft Excel, Google Sheets (upload to Drive, then open) and LibreOffice. Instant digital download. Nothing physical ships.

Quebec resident? Get the separate Quebec edition (QPP, QPIP, Revenu Québec, Quebec abatement).

Please note: this is a planning estimate, not tax advice and not a tax return. It assumes a single filer and only the credits listed (no spouse/dependant, tuition, medical or donation credits). Valid for the 2026 tax year only.

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  • Item type
    Digital download
  • Digital file type(s)
    2 Files
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Listed on Oct 12, 2026