Canada · 2025 tax year
See your take-home pay after federal and provincial income tax, CPP and EI. Choose any province or territory for an accurate 2025 estimate.
annual gross salary
Additional 4% on earnings between $71,300 and $81,200 (2025)
Display pay period
Your take-home pay
per month · gross CA$6,667
Step-by-step breakdown
What each deduction means
Federal
Federal tax (15%–33%) applied to total income, minus a Basic Personal Amount credit of ~$2,419. Quebec residents receive a 16.5% abatement since they fund their own programs.
Tax
Provincial/territorial income tax is levied separately. Rates and brackets vary significantly. Ontario adds a surtax for higher earners on top of the basic provincial tax.
CPP
Canada Pension Plan: 5.95% on earnings between $3,500–$71,300. CPP2 adds 4% on the next $9,900 (up to $81,200). Both contributions qualify for tax credits.
EI
Employment Insurance premiums: 1.64% on insurable earnings up to $65,700. Provides temporary income support for job loss, illness, or parental leave.
Estimates use the latest 2025 tax rates. Individual circumstances vary. Not financial advice.
CA$50K · CA$70K · CA$90K · CA$120K — tap to pre-fill the calculator.
Canadians pay tax in two layers on the same income: federal income tax (15% to 33% for 2025) and a separate provincial or territorial tax. Provincial rates vary widely — Ontario adds its own brackets plus a surtax for higher earners, while Alberta uses lower flat-ish rates — so your take-home depends heavily on where you live.
Two payroll deductions also come off your pay. The Canada Pension Plan (CPP) takes 5.95% of earnings between the $3,500 exemption and the $71,300 ceiling, and Employment Insurance (EI) takes 1.64% up to $65,700. Both fund benefits and qualify for federal tax credits.
The basic personal amount — about $16,129 federally for 2025, plus a provincial amount — shelters the first slice of income from tax via a 15% credit. This calculator combines all of these to show your real net pay for the province you choose.
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Canadians pay both federal income tax and a separate provincial or territorial tax on the same income. Federal rates for 2025 run from 15% up to 33%, while provincial rates and brackets vary widely — Ontario, for example, adds its own brackets plus a surtax for higher earners. This calculator combines both layers so you see your true take-home pay for the province you choose.
The Canada Pension Plan (CPP) is a mandatory contribution of 5.95% on earnings between the $3,500 basic exemption and the $71,300 ceiling, funding your retirement pension. Employment Insurance (EI) premiums are 1.64% on insurable earnings up to $65,700 and provide temporary income support for job loss, illness or parental leave. Both are deducted from your pay and qualify for federal tax credits.
The basic personal amount is income you can earn before federal tax applies — about $16,129 for 2025, delivered as a 15% non-refundable tax credit. Each province also has its own basic personal amount. Together they mean the first slice of your income is effectively tax-free, which is why low earners pay little or no income tax.