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.
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
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.
| Taxable income | Federal 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, Certified 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.