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Personal Income Tax Calculator 2025

All 10 provinces & 3 territories — includes CPP, EI, and all credits

Tax Year 2025  Canada Revenue Agency rates

T4 wages, salaries, taxable benefits

Net business income after expenses

50% inclusion applied automatically

EI, CPP/OAS, pension, RRSP withdrawals

Reduces taxable income dollar-for-dollar

After-Tax Income
Take-home after all taxes & CPP/EI
Federal Income Tax
Provincial Tax
CPP / EI Contributions
Total Tax + Contributions
After-Tax Income
Average Tax Rate
Marginal Tax Rate

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About This Calculator

Uses 2025 CRA rates: federal brackets, all 10 provinces and 3 territories, Canada Pension Plan (CPP1 + CPP2), Employment Insurance (EI), Quebec QPP/QPIP, Quebec abatement, Ontario Health Premium, Ontario surtax, BPA tapering for high earners, Canada Employment Amount, and Line 22215 enhanced CPP deduction. Capital gains use the 50% inclusion rate. Results match the Smart Canada Tax mobile app.

⚠️ This calculator provides estimates only. For personalized advice, consult a Canadian tax professional.