Estimate your 2025 federal and provincial income tax, take-home pay, and marginal tax rate. Select your province and enter your income for an instant estimate. Updated for 2025 tax brackets.
Income Tax Calculator
🧾 Calculate Your 2025 Canadian Income Tax
$18,204
Estimated total tax (federal + provincial)
Federal income tax$10,869
Provincial income tax (Ontario)$7,335
CPP contribution (employee)$3,867
EI premium (employee)$1,049
Estimated take-home pay$51,880
Average tax rate24.3%
Marginal tax rate29.65%
Top Marginal Rates by Province 2026
Province
Top Marginal Rate
Kicks In At
Alberta
~48%
$355,846+
Nunavut
~44.5%
$173,206+
Northwest Territories
~47.05%
$164,526+
Yukon
~48%
$500,001+
Saskatchewan
~47.5%
$142,059+
British Columbia
~53.5%
$240,717+
Ontario
~53.53%
$220,001+
Manitoba
~50.4%
$79,626+
Quebec
~53.31%
$126,001+
New Brunswick
~52.5%
$176,757+
Nova Scotia
~54.0%
$150,001+
PEI
~51.75%
$140,001+
Frequently Asked Questions
Which province has the lowest income tax in Canada?
Alberta has the lowest overall income tax. AB's flat 10% rate on income under $148,269 is the lowest first bracket in Canada. Alberta also has no PST. The lowest top marginal combined rate is Alberta at ~48% (vs ~54% in Nova Scotia). For most income levels under $150K, Alberta residents keep the most take-home pay in Canada.
What is the RRSP deduction benefit?
RRSP contributions deduct directly from your taxable income. At Ontario's 29.65% marginal rate ($51K–$102K income), each $1,000 RRSP contribution saves $296.50 in taxes immediately. At 37.16% ($102K–$150K), each $1,000 saves $371.60. The higher your marginal rate, the more valuable the RRSP deduction. Use the calculator above: enter your income with and without an RRSP contribution to see your exact savings.
How is CPP calculated in Canada?
For 2025: CPP1 rate is 5.95% on earnings between $3,500 (exemption) and $73,200 (maximum pensionable earnings). Maximum CPP1 contribution: ~$3,867/year. CPP2 (additional enhancement): 4% on earnings between $73,200 and $81,200 — max additional ~$315/year. Your employer matches your CPP contribution. Self-employed pay both employee and employer portions (11.9% total for CPP1).
Disclaimer: Estimates only — this calculator uses simplified rates and does not account for all deductions, surtaxes, or credits. Verify with CRA or a tax professional. Information as of March 2026. Bremo earns referral commissions on KOHO signups.