How big will my Canada tax refund be in 2026?
Your refund depends on three numbers: total income, tax withheld at source (T4 Box 22), and your deductions/credits (RRSP, donations, medical, tuition). For 2026 federal brackets: 15 percent up to $57,375, 20.5 percent to $114,750, 26 percent to $177,882, 29 percent to $253,414, 33 percent above. File by April 30, 2026 for the 2025 tax year.
Last updated: May 13, 2026 · Source: CRA federal tax brackets 2026, Department of Finance Budget 2025, provincial finance ministries
Canada Tax Refund Estimator (2026)
Estimate your refund or balance owing for the 2025 tax year filed in 2026.
How Big Will My Canada Tax Refund Be in 2026?
Estimate your refund or balance owing using 2026 federal and provincial brackets.
Your refund is determined by three numbers: total income, tax already withheld at source by your employer, and deductions or credits like RRSP contributions, charitable donations, medical expenses, and tuition.
2026 federal tax brackets
- 15 percent up to $57,375
- 20.5 percent on $57,376 to $114,750
- 26 percent on $114,751 to $177,882
- 29 percent on $177,883 to $253,414
- 33 percent above $253,414
Common refund boosters
- RRSP contributions — deducted from taxable income, refund of (contribution × marginal rate).
- Charitable donations — 15 percent federal credit on first $200, 29 percent above.
- Medical expenses — claimable above 3 percent of net income or $2,635 floor.
- Tuition (T2202) — non-refundable federal credit, transferable to a parent or spouse.
- Working from home — actual expenses with a signed T2200 (the flat-rate $2/day option ended after 2022).
Deadlines
File by April 30, 2026 for the 2025 tax year. Self-employed filers have until June 15 but any balance owing is still due April 30.
Reviewed by: Montreal Tips editorial team · Last updated: May 13, 2026
Sources: CRA federal tax brackets 2026, Department of Finance Budget 2025, provincial finance ministries. Estimates are educational only — verify against official sources before acting.