Personal Income Tax Calculator

Enter your employment income and province to estimate your federal and provincial income tax, CPP and EI deductions, and what actually reaches your bank account for the 2025 tax year.

2025 tax year rates All 13 provinces Updates as you type

Your income

$
$
$

Included: federal and provincial brackets, the basic personal amount, CPP and EI. Not included: spousal, tuition, medical and childcare credits, or provincial health premiums, which move the final number.

Estimated take-home pay

$0

0% of gross · 0% marginal rate

Take-home $0 Federal $0 Provincial $0 CPP + EI $0
Taxable income$0
Federal tax$0
Provincial tax$0
CPP contributions$0
EI premiums$0
Total deductions$0

An estimate is a starting point. Get your real number.

This calculator uses published rates. Your actual position depends on the credits, deductions and structure behind your numbers.

  • A professional tax accountant reviews your figures, not a formula
  • Fixed quote before any work starts
  • You pay after you approve the filing

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How Personal Income Tax Calculator Works

Canada taxes personal income progressively: the rate applies to each band of income, not to the whole amount. Someone earning $120,000 does not pay 26% on all of it. They pay the lowest rate on the first band, the next rate on the next band, and 26% only on the portion above $114,750. That is why your average rate is always lower than your marginal rate.

Your marginal rate is the one that matters for decisions. It tells you what an RRSP contribution saves you and what a raise actually nets. The calculator shows both figures, plus the provincial layer, which adds anywhere from 4% to 21% depending on where you live and earn.

What comes off before tax

The basic personal amount shelters the first slice of income at both levels. RRSP contributions reduce taxable income directly, which is why the calculator has a field for them. CPP and EI are not taxes but they leave your pay all the same, so they are included in the take-home figure. Quebec residents get a 16.5% abatement of federal tax, reflected here, because the province administers more of its own programmes.

Not modelled: spousal and dependant credits, tuition, medical expenses, childcare, and provincial health premiums. Those can move the result meaningfully, so treat this as a planning estimate. If you are weighing salary against dividends from your own corporation, use the salary vs dividend calculator instead.

Federal personal tax brackets, 2025 tax year
Taxable incomeFederal rate
$0 – $57,375 14.5%
$57,375 – $114,750 20.5%
$114,750 – $177,882 26%
$177,882 – $253,414 29%
Over $253,414 33%

The lowest federal bracket fell from 15% to 14% effective 1 July 2025, so the 2025 tax year return applies a blended 14.5%.

Rates reviewed for the 2025 tax year by Udit Gupta, Founder and Tax Accountant. Federal and provincial rates change annually, and this tool is an estimate for planning rather than tax advice. Confirm current figures before relying on them for a filing.

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Personal Tax Advisor: Frequently Asked Questions

It depends on your province. Federal tax alone is roughly $17,700 before credits, and the provincial layer adds anywhere from about $6,000 in Alberta to over $9,000 in Quebec. Enter your figures above for a province-specific estimate including CPP and EI.
Your marginal rate applies to your next dollar of income. Your average rate is total tax divided by total income, and it is always lower because the lower bands are taxed at lower rates. Use the marginal rate to judge an RRSP contribution or a raise.
Yes. It reduces taxable income, so the saving equals your contribution multiplied by your marginal rate. Contributing $10,000 at a 43% marginal rate saves about $4,300 in tax for that year.
They are deducted from your pay, so the calculator subtracts them from the take-home figure. They are contributions rather than taxes: CPP buys future retirement benefits and EI buys coverage.
Quebec administers more of its own programmes and collects its own income tax, so residents receive a 16.5% abatement of federal tax. The calculator applies it automatically when Quebec is selected.

What Canadians search about this

Answered plainly. Browse every question in the Canadian tax answers directory.

HST combines the 5% federal GST with a provincial component in five participating provinces. For 2026 the combined rates are 13% in Ontario, 15% in New Brunswick, Newfoundland and Labrador, and Prince Edward Island, and 14% in Nova Scotia since 1 April 2025. Elsewhere you charge the 5% GST alone, or GST plus a separate provincial tax. The rate follows the province of supply, not where your business sits.
File a T1 return for the year, sending it electronically with CRA-certified software or mailing a paper return. Gather your slips and receipts first and check them against the ones listed in My Account. For the 2025 tax year the filing and payment deadline was 30 April 2026, or 15 June 2026 to file if you or your spouse were self-employed, with payment still due 30 April 2026. CRA online filing for 2025 returns closes 29 January 2027.
Most municipalities do not take credit cards for property tax directly. They accept pre-authorised debit, online or telephone banking, cheque, and in-person payment. Third-party payment processors will charge a property tax bill to a card for a service fee, which normally costs more than the rewards earned. The CRA works the same way for income tax and GST/HST: no direct card payment, but authorised third-party providers accept cards for a fee.
Work down the page. Total income comes first, then deductions, which give net income and taxable income. Below that, federal and provincial tax are calculated, non-refundable credits are subtracted, and amounts already paid — tax withheld on slips and any instalments — are applied. The last line is your refund or balance owing. Then compare it with your notice of assessment, because the CRA may have changed a figure while processing the return.
Two separate charges. The late-filing penalty is a percentage of the balance owing when you file after the deadline: 5% of that balance plus 1% for each full month late, to a maximum of 12 months. Interest is charged on any unpaid balance and on the penalty itself, compounded daily at the prescribed rate the CRA sets each quarter. Look up the current quarter's rate on the CRA's prescribed interest rates page.
Each deduction has its own base. CPP contributions apply to pensionable earnings above the annual basic exemption up to that year's maximum pensionable earnings, and a second contribution (CPP2) then applies on earnings between that ceiling and the year's additional ceiling — for 2026 at 4% on earnings from $74,600 to $85,000; EI premiums apply to insurable earnings up to a separate maximum, with the employer paying a larger share than the employee; income tax withheld depends on the pay period, the province of employment and the credits claimed on the employee's Form TD1. The CRA payroll deductions online calculator applies the current year figures for you.
Udit Gupta, founder of Tax Filings Canada

Rates and method reviewed by Udit Gupta

Ex Big 4 — Ernst & Young, Deloitte · International & cross-border tax specialist · CPA Canada (In-Depth Tax Program) · Chartered accountant, ICAI & MIA

Udit Gupta has over 15 years of experience helping corporations and business owners with corporate structuring, corporate tax filing, bookkeeping, payroll, GST/HST, cross-border tax and CRA representation. He is Big 4 trained, at Ernst & Young and Deloitte, and qualified as a chartered accountant in India and again in Malaysia. In 2014 he founded his accounting practice to serve entrepreneurs, startups and non-resident business owners across Canada. View full member bio.

The Institute of Chartered Accountants of India — member 521458 · Malaysian Institute of Accountants — member CA 44667 · Ex Big 4: Ernst & Young, Deloitte · CPA Canada (In-Depth Tax Program), completed 19 Dec 2023 · In-Depth GST/HST Part I, 12 Jul 2022 · Part II, 5 Jul 2023

Editorial policy. Every page is researched against primary sources — the Income Tax Act, CRA publications and CPA Canada guidance — and every rate or threshold is stated with the tax year it applies to.

Sources. Canada.ca — Personal income tax · Income Tax Act (Justice Laws Website)

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