Canadian Tithe Calculator
Province-specific tax, CPP, EI, RRSP - and the charitable donation credit that lowers the real cost of giving. The most complete tithe calculator in Canada.
Your Income
Your Giving
Your Tithe Breakdown
The Real Cost of Your Tithe
Because your church issues a charitable donation receipt, the CRA gives you a tax credit. Here's what your tithe actually costs after the credit.
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Uses shared 2026 assumptions from the Wise and Faithful finance registry: federal/provincial brackets, CPP/QPP, CPP2/QPP2, EI, Quebec QPIP, and charitable donation credit rates. Estimate only - consult a tax professional for exact figures.
Where Your Income Goes
Visual breakdown of every dollar you earn.
Giving Comparison
See how different percentages change your giving - and the real after-tax cost.
How to Use This Calculator
Enter your income and select your province. The calculator automatically computes your CPP, EI, federal and provincial income tax, and shows your true after-tax income. Then choose your giving philosophy and percentage to see exactly what your tithe looks like - and what it actually costs after the charitable donation tax credit.
Three Ways to Think About "10%"
Firstfruits (Gross) - 10% of what you earn before any deductions. If your salary is $85,000, your tithe is $8,500. This is the most traditional interpretation, rooted in the idea that God's portion comes off the top, before the government takes anything.
Net (After Tax) - 10% of what hits your bank account after CPP, EI, and income tax. On an $85,000 salary in Ontario, that might be closer to $6,200. This is a reasonable starting point if you are new to tithing.
After Essentials - 10% of what remains after taxes and essential living expenses (housing, food, debt payments, insurance). This approach reflects 2 Corinthians 8:12: "the gift is acceptable according to what one has." It produces a lower number but may be the honest starting point for someone under genuine financial pressure.
The Charitable Donation Tax Credit
In Canada, donations to registered charities (including most churches with CRA charitable registration) generate a tax credit - not a deduction, but a direct reduction in the tax you owe. The first $200 in annual donations earns a 14% federal credit in 2026. Every dollar above $200 earns 29% (or 33% if you are in the top bracket). Your province adds its own credit on top.
The practical result: a $7,500 tithe might only cost you $4,500–$5,200 after tax credits, depending on your province. This calculator shows you the exact number.
For a deeper look at the gross vs. net question - including the three biblical principles that help settle it - read Should You Tithe on Gross or Net Income?