Canada Income Tax Calculator 2025
Calculate federal and provincial income tax, CPP and EI contributions for all Canadian provinces. Updated for the 2025 tax year.
$
= C$6,667 / month Common incomes:
C$0
Take-Home Pay (Annual)
C$0
Federal Tax
C$0
Provincial Tax
C$0
CPP + EI
Full Tax Breakdown
Federal Tax Bracket Breakdown
| Federal Bracket | Income in Bracket | Rate | Tax |
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How to Use This Canada Income Tax Calculator
Enter your annual gross income and select your province or territory. The calculator applies the 2025 federal brackets after the Basic Personal Amount credit, your provincial tax, CPP contributions and EI premiums to show your total deductions and take-home pay.
Quebec residents: Quebec has an Abatement of 16.5% off federal tax because Quebec collects its own tax. This calculator includes that abatement for Quebec.
The Formula
Federal Tax = progressive rates on income, minus Basic Personal Amount credit (15% ร $16,129)
Provincial Tax = province-specific rates and BPA credit
CPP = 5.95% ร (income โ $3,500), max on $71,300
EI = 1.66% ร income, max on $65,700
Take-Home = Income โ Federal Tax โ Provincial Tax โ CPP โ EI
Provincial Tax = province-specific rates and BPA credit
CPP = 5.95% ร (income โ $3,500), max on $71,300
EI = 1.66% ร income, max on $65,700
Take-Home = Income โ Federal Tax โ Provincial Tax โ CPP โ EI
Example
Alex in Ontario, $80,000 income in 2025:
Federal tax (before BPA credit): $57,375 ร 15% + $22,625 ร 20.5% = $8,606 + $4,638 = $13,244
Federal BPA credit: $16,129 ร 15% = $2,419
Federal tax net: $13,244 โ $2,419 = $10,825
Ontario tax (net): approx. $5,003
CPP: ($71,300 โ $3,500) ร 5.95% = $4,034
EI: $65,700 ร 1.66% = $1,091
Total deductions: ~$20,953 | Take-home: ~$59,047/year ($4,921/month)
Federal tax (before BPA credit): $57,375 ร 15% + $22,625 ร 20.5% = $8,606 + $4,638 = $13,244
Federal BPA credit: $16,129 ร 15% = $2,419
Federal tax net: $13,244 โ $2,419 = $10,825
Ontario tax (net): approx. $5,003
CPP: ($71,300 โ $3,500) ร 5.95% = $4,034
EI: $65,700 ร 1.66% = $1,091
Total deductions: ~$20,953 | Take-home: ~$59,047/year ($4,921/month)
Extended
Provincial Tax Comparison
Compare your tax burden across all major provinces and see a full deduction breakdown
Compare your combined tax across major provinces at your current income.
| Province | Federal Tax | Provincial Tax | CPP+EI | Total Deductions | Take-Home |
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Federal tax breakdown by bracket for your current income.
| Bracket | Range | Rate | Your Income in Bracket | Tax |
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Frequently Asked Questions
What are the federal income tax brackets for Canada in 2025?
Canada federal brackets for 2025: 15% on the first $57,375, 20.5% on $57,375โ$114,750, 26% on $114,750โ$158,468, 29% on $158,468โ$220,000, and 33% on income above $220,000. These apply after the Basic Personal Amount ($16,129) is subtracted. Residents also pay provincial/territorial tax on top of federal tax.
What is the CPP contribution for 2025?
Canada Pension Plan (CPP) contributions for 2025: employee rate is 5.95% on earnings between the basic exemption ($3,500) and the maximum pensionable earnings ($71,300). Maximum employee CPP contribution is approximately $4,034.10. Employers match the contribution. CPP2 applies an additional 4% on earnings between $71,300 and $81,900.
What is EI (Employment Insurance) in Canada?
Employment Insurance (EI) for 2025: employees pay 1.66% of insurable earnings up to the maximum insurable earnings of $65,700. Maximum employee EI premium is approximately $1,090.62/year. Employers pay 1.4 times the employee rate (2.324%). EI provides income replacement during job loss, illness, maternity/parental leave.
How does provincial tax work alongside federal tax?
Canada has a two-tier tax system: you pay both federal and provincial/territorial income tax. Each province sets its own tax brackets, rates and basic personal amounts. The total combined rate is what you actually pay. Alberta has the lowest combined rates (flat 10% provincial), while Quebec has the highest and most complex provincial system.
What is the Basic Personal Amount in Canada?
The federal Basic Personal Amount (BPA) for 2025 is $16,129. This is a non-refundable tax credit that effectively exempts the first $16,129 of income from federal tax. Each province also has its own Basic Personal Amount for provincial tax purposes. Note: the BPA is a tax credit (rate ร amount), not a deduction from income.