Income Tax Calculator Canada (2025)
Estimate Canadian federal income tax with current CRA brackets from 15% to 33%. Provincial tax is separate and noted. Free, private, and in dollars.
How income tax works in Canada
Canada taxes income at two levels. The federal layer, administered by the CRA, uses five brackets — currently 15% on roughly the first $57,000, rising through 20.5%, 26% and 29% to a top rate of 33% above about $253,000 for 2025. The thresholds are indexed to inflation each year, so they move slightly every January. Federal tax also comes with the basic personal amount, a non-refundable credit that wipes out tax on roughly the first $16,000 of income for most filers.
The federal bill is only half the story. Every province and territory layers its own brackets on top — typically adding another 5% to 25% depending on where you live and earn — and Quebec administers a separate income tax system entirely, with a higher headline rate but its own deductions. CPP contributions and EI premiums take roughly another 7% of pay up to their annual maximums. Two Canadians on identical salaries in Alberta and Nova Scotia can face noticeably different total deductions.
This calculator applies the 2025 federal brackets only. Provincial and territorial tax, the basic personal amount credit, CPP and EI, and RRSP deductions are out of scope — if you contribute to an RRSP, your taxable income will be lower than your gross salary, and your combined federal-plus-provincial bill will be higher than the federal figure shown here.
Canada tax brackets — 2025
| Taxable income (CAD) | Marginal rate |
|---|---|
| $0 – $57,375 | 15% |
| $57,375 – $114,750 | 20.5% |
| $114,750 – $177,882 | 26% |
| $177,882 – $253,414 | 29% |
| Above $253,414 | 33% |
Federal income tax only. Each province adds its own brackets — typically another 5–25%. Quebec administers its own income tax (much higher headline rate but different deductions). CPP and EI add ~7% on top.
Worked examples
Salary-only estimates under the 2025 brackets, computed with the same formula as the calculator below (rebates and credits applied; no other income or deductions).
| Annual salary | Estimated tax | Effective rate | Take-home |
|---|---|---|---|
| $55,000 | $8,250 | 1500.0% | $46,750 |
| $95,000 | $16,319 | 1717.8% | $78,681 |
| $180,000 | $37,397 | 2077.6% | $142,603 |
Frequently asked questions
- What are the federal income tax brackets in Canada?
- For 2025 there are five: 15% up to about $57,375, 20.5% to $114,750, 26% to $177,882, 29% to $253,414, and 33% above that. The CRA indexes these thresholds to inflation annually, so they shift each January. Only the income inside each bracket is taxed at that bracket’s rate — crossing a threshold never reduces your after-tax pay.
- Does this calculator include provincial tax?
- No — it estimates federal tax only. Each province and territory sets its own brackets and rates, typically adding another 5% to 25% on top of the federal bill, and Quebec runs its own income tax system with separate returns. Your combined marginal rate is the federal and provincial rates added together, which is the number that matters for decisions like RRSP contributions.
- What about CPP, EI, and the basic personal amount?
- CPP contributions and EI premiums come off your paycheque separately — roughly 7% combined up to their annual maximums — and are not income tax. The basic personal amount is a federal credit that eliminates tax on roughly the first $16,000 of income for most filers; this calculator does not model it, so it will somewhat overstate federal tax at lower incomes.
- Can I use this to estimate my refund or RRSP savings?
- Only roughly. The calculator shows gross federal tax under the 2025 brackets — it does not model the basic personal amount, provincial tax, RRSP deductions, or withholding already taken from your pay, all of which determine a refund. For RRSP planning, your real saving per dollar contributed is your combined federal-plus-provincial marginal rate, which is higher than the federal rate shown here.