Income Tax Calculator — Canada

Estimate Canadian federal and provincial income tax for 2025, including CPP and EI contributions. Choose your province for accurate provincial rates.

Tax Year 2025

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Your income

Annual gross income

Province

RRSP contribution

Deductible from taxable income

Total tax

$20,806

Take-home

$59,194

Effective rate

26.0%

Marginal 30%

Breakdown

Gross income
$80,000
Taxable income
$80,000
Federal income tax
Marginal 20.5% (after BPA credit)
$10,825
Ontario provincial tax
Marginal 9.15%
$4,508
CPP contribution
Includes CPP2 above YMPE
$4,382
Employment Insurance
$1,091
Total deductions
$20,806
Net pay
$59,194

Notes & assumptions (3)

Federal + Ontario provincial tax shown. Both apply Basic Personal Amount as a non-refundable credit.
CPP (employee share) includes the CPP2 enhancement on earnings between $71,300 and $81,200. Employer matches CPP/EI separately.
Excludes refundable credits (GST/HST credit, Canada Workers Benefit, climate-action incentive) which would reduce total tax.

Official sources for Canada (Tax Year 2025)

Calculated for general guidance only. Tax laws change frequently — verify against official sources before filing. This calculator does not constitute tax advice. For complex situations, consult a qualified tax professional in Canada.