For informational purposes only. This tool provides estimates based on your inputs and may differ from actual outcomes. It does not constitute financial advice. Please consult a qualified professional before making financial decisions. Terms
2025 federal & provincial income tax calculator. CPP/EI deductions, RRSP vs TFSA optimization, and province comparison for all 13 provinces and territories.
Annual Net
$0
Bi-Weekly
$0
Effective Rate
0.0%
Marginal Rate
0.0%
CPP1: $4,034 + CPP2: $148
Basic Personal Amount
$16,129
Sales Tax
13%
Next $1,000 Tax
$297
Disclaimer: This calculator provides estimates based on 2025 Canadian federal and provincial tax rates from the Canada Revenue Agency (CRA) and Revenu Quebec. It includes basic personal amount, CPP/QPP, EI/QPIP credits, Canada Employment Amount, Ontario Health Premium, and Quebec federal tax reduction. It does not account for all possible tax credits, deductions, or individual circumstances. For accurate tax filing, consult a certified tax professional or use CRA-approved software.
Your inputs carry over automatically. Just pick a tool.
Free Canadian income tax calculator for 2025. Calculate federal + provincial taxes, CPP/EI deductions, RRSP vs TFSA optimization, and compare take-home pay across provinces. Supports all 13 provinces and territories.
Enter your annual income and select your province or territory. The calculator applies 2025 federal progressive tax brackets (14.5%–33%), your provincial tax brackets, CPP contributions (5.95% up to $71,300), CPP2 (4% on $71,300–$81,200), and EI premiums (1.64%) to show your exact net income annually, monthly, and bi-weekly.
The 2025 federal brackets are: 14.5% on the first $57,375 (blended rate: 15% Jan-Jun, 14% Jul-Dec), 20.5% on $57,375–$114,750, 26% on $114,750–$177,882, 29% on $177,882–$253,414, and 33% on income over $253,414. The Basic Personal Amount (BPA) of $16,129 is not taxed.
It depends on your marginal tax rate. If your combined federal+provincial marginal rate is above ~29.5%, RRSP is typically better because the tax deduction now outweighs the tax on future withdrawals if you expect lower retirement income. Below 29.5%, TFSA is usually better since your tax savings from RRSP are modest while TFSA growth is completely tax-free forever.
Self-employed individuals pay both the employee and employer portions of CPP, totaling 11.90% on pensionable earnings between $3,500 and $71,300 (max $8,068.20). Plus CPP2 at 8% on earnings between $71,300 and $81,200 (max $792). Self-employed workers are exempt from EI but can opt in for special benefits.
For most income levels, Nunavut (4%–11.5%), Alberta (8%–15%), and Northwest Territories (5.9%–14.05%) have the lowest provincial rates. The PRO province comparison tool ranks all 13 provinces and territories by net income for your specific salary, so you can see exactly where you keep the most.
Ontario applies an additional surtax on top of the basic provincial tax: 20% on provincial tax exceeding $5,315 and 36% on provincial tax exceeding $6,802. This effectively increases the marginal rate for higher-income Ontario residents beyond the stated bracket rates.
Quebec administers its own income tax through Revenu Quebec instead of CRA. Quebec residents pay a lower federal tax abatement but have higher provincial rates (14%–25.75%). Quebec also has its own parental insurance plan (QPIP) instead of the standard EI rate, and charges QST (9.975%) instead of PST.
PRO users can add US-sourced income (USD) with a custom exchange rate. The calculator converts it to CAD and includes it in your total Canadian tax calculation. This is useful for Canadians earning US income from remote work, stock compensation, or cross-border employment. For complex cross-border situations, consult a cross-border tax specialist.
