Tax Refund Estimator
Estimate your 2026 tax refund or the amount you may owe, from your income and the tax already taken off your pay.
Quick answer
Estimates whether you may get a tax refund or owe tax, by comparing the tax on your income with the tax already taken off your pay.
Next step: see your tax and rate with the income tax calculator.
Where you lived on December 31.
Box 14 of your T4 slip. The starting number is an example.
Box 22 of your T4 slip, plus any tax instalments you paid. The starting number is an example.
Union dues, child care costs and similar deductions.
Estimated refund
$0
Estimated amount owing
$817.25
Tax on your income
$8,817.25
Tax already deducted
$8,000
You may owe tax. The tax already taken off your pay is less than the tax on your income.
This estimate uses the basic personal amount only. Credits such as tuition, medical costs, donations, disability, and the CPP and EI credits are not included, so your real refund may be higher.
Federal figures checked October 5, 2026 against the Canada Revenue Agency.
Ontario figures checked October 5, 2026 against the Canada Revenue Agency.
Refund timing comes from CRA, Tax refunds (modified October 22, 2026, read November 10, 2026).
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Common questions
How long does a tax refund take?
The Canada Revenue Agency says within 2 weeks for electronic returns. Its processing times page says it aims to process 95% of electronic returns within 4 weeks and paper returns within 8 weeks. These times apply only to returns received on or before the filing due date.
How do I get my refund, by direct deposit or cheque?
Your refund goes to the bank account the CRA has on file when you file. If direct deposit is not set up before you file, you get a cheque mailed to the address on file.
Can the CRA keep my refund?
Yes. The CRA may hold all or part of a refund to cover debts, such as amounts you owe. Refunds of $2 or less are generally not issued.
Why is my real refund different from this estimate?
This tool uses the basic personal amount only. It does not include credits such as tuition, medical costs, donations, disability, or the CPP and EI credits, so your real refund may be higher. Your result comes from the CRA after you file.
Sources: Canada Revenue Agency: Tax refunds (modified October 22, 2026, read November 10, 2026); Canada Revenue Agency: Check CRA processing times (modified October 20, 2026, read November 10, 2026)
Next step: learn how this works
Read the guide behind these numbers, with sources and checked dates.