Quebec uses a lower federal instalment threshold. Farmers and fishers have different rules and are outside this calculator.
Current-year uses your 2026 estimate. Prior-year uses your 2025 return. CRA no-calculation uses the amounts on your CRA instalment reminder.
When selected: September = 75% of total, December = 25%. CRA uses this split when the August reminder does not list March or June.
Net tax owing is estimated income tax after credits and amounts withheld. Do not include self-employed CPP or voluntary EI premiums here — those are entered separately below.
Estimated CRA net tax owing for 2026, after applicable tax withheld and refundable credits. Do not include self-employed CPP or voluntary EI here.
From your 2025 return or notice of assessment. Net tax owing only — do not include CPP.
From your 2024 return or notice of assessment. Net tax owing only.
Estimated CPP payable on self-employment and other eligible earnings for 2026. Added to the instalment amount but does not count toward the $3,000/$1,800 net-tax-owing threshold.
CPP contributions payable from your 2025 return. Used only with the prior-year option.
Voluntary EI special benefits premiums for 2026, if applicable. Generally relevant only for self-employed individuals in the voluntary EI program.
From your 2025 return. Used only with the prior-year option.
Used to estimate your remaining annual instalment amount. Because Sidehub does not know which due dates your payments applied to, this total does not automatically change the scheduled payment cards.
Different instalment rules may apply. Farmers and fishers can have different instalment rules. This calculator does not estimate those rules. Check CRA guidance or consult a qualified professional.
This is a one-time snapshot. Sidehub Pro saves it and tracks your whole year — income tax, GST/HST, and instalments together.
Start a free Pro trial →You’re signed in to Sidehub Pro. Enter your prior-year CRA-assessed tax amounts above to get your instalment schedule.
← Back to dashboard- Individual (not corporate) instalment planning
- Standard CRA net-tax-owing threshold ($3,000 / $1,800 for QC)
- Three CRA calculation options: current-year, prior-year, CRA no-calculation
- Separate CPP contributions payable and voluntary EI inputs
- August-reminder 75%/25% schedule for current and prior-year options
- Subtraction of any 2026 payments already made (for remaining estimate only)
- Standard quarterly due dates (Mar 15, Jun 15, Sep 15, Dec 15)
- Corporate tax instalments
- Quebec provincial instalment calculations
- Farmer/fisher instalment rules
- Instalment interest or penalty calculations
- GST/HST instalments or remittances
- Exact CRA reminder amounts
- Personalized tax advice
Frequently asked questions
Tax instalments are periodic payments toward income tax and CPP that may be required when not enough tax is withheld during the year. Because self-employed Canadians typically do not have an employer withholding tax at source, CRA may require quarterly payments to spread the tax liability across the year rather than collecting the full amount at filing.
Individuals may have to pay instalments if estimated net tax owing exceeds the CRA threshold for the current year and exceeded the threshold in at least one of the two prior years. Net tax owing is calculated as income tax payable minus applicable withholdings and refundable credits. Self-employed CPP contributions and voluntary EI premiums are not part of net tax owing for threshold purposes — they are added to the instalment amount once eligibility is determined.
For most individuals, the standard dates are March 15, June 15, September 15, and December 15. If a due date falls on a weekend or statutory holiday, CRA generally accepts the payment on the next business day. This calculator shows the standard dates as a planning guide — verify current due dates with CRA before making payments.
No. GST/HST is separate from income tax and CPP. GST/HST registration and remittance are handled through a different CRA account and on a different schedule. This calculator covers income tax and CPP instalment planning only. Use the GST/HST Registration Checker and Quick Method Calculator for GST/HST questions.
Review the CRA reminder carefully. This calculator is only a planning estimate and does not replace CRA notices. CRA instalment reminders are based on your actual filed returns and may differ from the estimates here. If you receive a reminder, use the amounts CRA specifies unless you have reason to believe a different method would be more accurate.
CRA may charge instalment interest or penalties if instalments are late or insufficient. This calculator does not calculate those charges. If you are concerned about underpayment, the prior-year option (based on last year’s actual return amounts) or the CRA no-calculation option (using your reminder amounts) can reduce underpayment risk. Consult a tax professional for personalized advice.
This calculator applies the lower $1,800 CRA net-tax-owing threshold for Quebec residents (the general threshold is $3,000 for other provinces). However, Quebec residents also pay provincial income tax to Revenu Québec, which has its own instalment rules. This calculator does not calculate Quebec provincial instalments — check with Revenu Québec for provincial requirements.
No. This calculator is for individuals, not incorporated businesses. Corporate tax instalments are based on different rules and thresholds. If your business is incorporated, speak with your accountant about corporate instalment requirements.