Canada Income Tax Calculator
Federal and provincial income tax for 2025: full brackets for Ontario, BC, Alberta and Quebec, simplified models for the other provinces and territories.
CRA federal and provincial income tax rates, 2025 last updated · reference source
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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.
Dated static reference; no live data is fetched. Verify current source values and assumptions before relying on results.
What this tool does
Estimates Canadian salary tax for 2025: federal tax through the five CRA brackets (15% to 33%) minus the basic personal amount credit, plus provincial tax. Ontario, British Columbia, Alberta and Quebec use their full published provincial brackets and basic personal amounts; the other provinces and territories use a clearly labelled simplified model (lowest provincial rate above an approximate basic personal amount), so treat those provincial figures as floors, not filings. CPP/EI payroll contributions are not included.
How to use the Canada Income Tax Calculator
- Enter your gross annual salary or employment income.
- Choose the region / province and any options that apply to you.
- Read the income tax, social contributions and take-home pay; the breakdown shows each part separately.
- Change the salary to compare offers or pay rises on a like-for-like tax basis.
Formula
federal tax = federal bands(income) − 15% × min(income, $16,129); provincial tax = provincial bands(income) − lowest rate × basic personal amount (full-bracket provinces)
- federal bands 2025
- 15% to $57,375; 20.5% to $114,750; 26% to $177,882; 29% to $253,414; 33% above
Worked example
An $80,000 Ontario salary for 2025: federal tax of about $10,825 after the basic personal amount credit, plus about $4,508 of Ontario tax, for roughly $15,333 total before CPP and EI.
Inputs
- Gross annual salary$80000
- Province or territoryOntario
Result
- Federal income tax$10,825.03
- Ontario income tax$4,507.95
- Total income tax$15,332.98
- Take-home pay (before CPP/EI)$64,667.02
- Average tax rate19.17%
Canadian federal brackets, 2025
| Rate | Taxable income |
|---|---|
| 15% | Up to $57,375 |
| 20.5% | $57,375 – $114,750 |
| 26% | $114,750 – $177,882 |
| 29% | $177,882 – $253,414 |
| 33% | Above $253,414 |
| Federal basic personal amount | $16,129 |
Results explained
- Income tax
- Tax on income above the personal allowance / basic personal amount, through the published bands.
- Take-home pay
- Gross income minus income tax and the employee social contributions modelled on this page.
Frequently asked questions
For 2025, about $10,825 federal plus about $4,508 Ontario — roughly $15,333 of income tax, before CPP contributions and EI premiums, which a real paycheque also deducts.
Federally $16,129 for 2025: that slice of income is effectively tax-free because the amount is credited at the lowest 15% rate. Each province has its own basic personal amount, credited at its own lowest rate.
Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, Prince Edward Island and the three territories. Their pages apply the lowest provincial rate above an approximate basic personal amount, so at higher incomes the real provincial tax — which has higher brackets — will be more.
Quebec runs its own tax system with its own brackets (14% to 25.75% for 2025) and residents also get a 16.5% abatement of federal tax, which this tool does not model — so the federal line overstates what a Quebec resident actually pays federally.
No. Canada Pension Plan contributions and Employment Insurance premiums are payroll deductions on top of income tax; this calculator isolates income tax only.