Second job tax calculator (2026)

With a $75,000 main job, a $15,000 second job in Ontario in 2026 means $4,729 of extra deductions and you keep $10,271 of the second job. The effective rate on the second job is 31.5%, higher than the average rate on your main job because the second job is taxed at your highest marginal rates.

Yes, per dollar. Canada taxes combined income, so your second job's pay is added on top of your main income and taxed at the marginal rates that apply above it, not at the low rates that applied to your first dollars of income. That is why a second job can feel heavily taxed even when your overall average rate looks modest. The calculator shows the extra tax the second job itself causes, not your total tax bill.

Yes, up to the annual maximums, which are applied once to your combined income. With a $75,000 main job in Ontario, EI is already maxed out, so no extra EI comes off the second job, and only $400 of extra CPP is due, the tier-2 portion up to the $85,000 ceiling. Your second employer will usually still deduct CPP and EI from each cheque as if it were your only job, and any excess over the annual maximums is credited when you file your tax return.

With a $75,000 main job, a $15,000 second job in Quebec in 2026 means $5,730 of extra deductions and you keep $9,270 of the second job. The effective rate is 38.2%, including $64 of extra QPIP premiums. Quebec's provincial income tax rates are higher at these incomes, so the same second job costs more there than in Ontario.

Then no payroll deductions come off the second job at all: CPP/QPP and EI are already at their annual maximums. With a $100,000 main job and a $20,000 second job in Alberta in 2026, the extra tax is $6,201 of income tax only, and you keep $13,799. The second job is still taxed at your top marginal rates, so the effective rate stays high even with no CPP or EI left to pay.

For payroll deductions, usually yes: a second employer withholds CPP and EI without knowing what your main job already deducted, so each cheque from the second job can look smaller than the annual figure here. Income tax withholding depends on the forms you file with each employer. The annual calculation is what the combined income actually costs, and any over-withholding comes back as a refund when you file.

Not always. This calculator covers a second job as an employee. Self-employed side income is different: there is no EI, you pay both halves of CPP/QPP, and business expenses are deductible before tax. If your side income is self-employment, use the self-employed calculator instead, which models both halves of the pension contributions and no EI.