Freelance & Gig Tax Calculator

Calculate your income tax, CPP contributions, and total tax burden as a self-employed worker, freelancer, Uber/DoorDash driver, or gig economy participant. Get guidance on HST registration and deductible business expenses.

Freelance & Gig Tax Calculator

Calculate your income tax, CPP contributions, and total tax burden as a self-employed individual, freelancer, Uber/DoorDash driver, or gig worker.

$
Total income from all sources before expenses.
$
Include: office supplies, vehicle expenses, home office, equipment, software, insurance.
Self-employed pay both employee (5.95%) and employer (5.95%) portions = 11.9% on pensionable earnings.
Applies province-specific rules; pick your province in the calculator.Last verified: March 1, 2025Inputs stay in your browser

Under review for the current tax year. This estimator uses figures that have not yet been re-verified for 2026 and simplifies some credits. Treat results as rough estimates only; use the CRA's own calculators or a tax professional for anything you rely on.

Official sources

Limitations

  • CPP figures are 2026; income-tax brackets are still under review.
  • Does not include GST/HST registration, instalments or the deduction for the employer half of CPP.

Results are estimates for general information and are not legal, tax, payroll or financial advice. Employment contracts, collective agreements and individual circumstances can change what you are owed.

Frequently Asked Questions

Do self-employed people pay EI (Employment Insurance)?

Generally, no. Self-employed individuals do not pay EI premiums unless they have opted into the EI program. However, most self-employed people do not opt in because EI benefits are typically not available to them. This calculator does not include EI.

What is the CPP self-employed contribution?

Self-employed individuals pay both the employee portion (5.95%) and employer portion (5.95%) of CPP, totaling 11.9% on pensionable earnings up to the maximum. This is nearly double what salaried employees pay (5.95%), but you can claim the employer portion as a deduction on your tax return.

When do I need to register for HST?

You must register for HST when your revenue exceeds $30,000 over any rolling 4-quarter period. Once registered, you charge HST on most goods and services (13% in Ontario), but you can claim input tax credits on business expenses. You can also voluntarily register if your revenue is below the threshold.

What expenses can I deduct from my business income?

Deductible expenses include office supplies, equipment, vehicle expenses, home office costs, professional fees, software, internet, phone, insurance, utilities, and meals (50% only). You cannot deduct personal expenses or the cost of goods you sell. Keep all receipts and records in case CRA asks for documentation.