CA 2028 Income Tax
Canada 2028 federal tax: 15% to $59,200, 20.5% to $118,400, 26% to $183,600, 29% to $261,000, 33% above. Projected from 2027 brackets + ~2.4% CPI.
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Canada 2028 federal income tax uses progressive brackets (projected): 15% to $59,200, 20.5% to $118,400, 26% to $183,600, 29% to $261,000, 33% above. Basic Personal Amount ($16,750 projected) provides $2,513 federal tax credit. Provincial/territorial tax adds 4-25.75% on top — Quebec administers separately.
Federal Only — Add Provincial
Federal tax is half the story. Add provincial: Alberta 10-15%, Ontario 5.05-13.16%, Quebec 14-25.75% (separate filing), BC 5.06-20.5%, etc. Total marginal rates can hit 53.5% (top, Newfoundland) to 47.5% (Alberta top). High-income earners often relocate to lower-tax provinces.
Basic Personal Amount Phase-Out
BPA enhanced 2020-2023: $13,229 → $15,000+. Higher BPA phases out for high earners. 2028 BPA full ~$16,750 if income < $173k, phases down to ~$14,200 if income > $246k. Increases effective tax for high earners.
Indexation + Quebec Abatement
Federal brackets index annually to CPI. Quebec residents get 16.5% abatement of federal tax (Quebec administers separately). Effective top federal rate for Quebec residents: 33% × (1-16.5%) = 27.55%.
Last updated May 2026. Sources: CRA Tax Rates.