Income Tax by Province: $9,722 Apart in Take-Home Pay
On a $100,000 salary the province decides $9,722 of your pay. Nunavut leaves $74,980 and Quebec leaves $65,258. The federal portion is the same everywhere, so the entire gap is provincial. Figures use 2025 rates, the most recent complete tax year.
Every figure below is computed with the same engine behind our calculators, using 2025 federal and provincial brackets, including CPP and EI. That is the most recent complete tax year, filed in 2026. No other income, and no credits beyond the basic personal amounts.
Take-home pay in every province and territory
Ranked by what you keep on $100,000. The spread from top to bottom is $9,722, close to a tenth of gross pay.
2025 federal and provincial brackets with CPP and EI. Quebec figures use QPP, QPIP and the federal abatement.
How much tax do you pay on $100,000 in Canada?
Between $25,020 and $34,742, depending on where you live. Here is the whole table, each linking to a calculator for that province.
| # | Province or territory | Provincial tax | You keep |
|---|---|---|---|
| 1 | Nunavut | $4,588 | $74,980 |
| 2 | British Columbia | $5,785 | $73,782 |
| 3 | Northwest Territories | $6,144 | $73,423 |
| 4 | Ontario | $6,464 | $73,104 |
| 5 | Yukon | $6,476 | $73,091 |
| 6 | Alberta | $7,014 | $72,553 |
| 7 | Saskatchewan | $9,437 | $70,131 |
| 8 | Manitoba | $10,098 | $69,470 |
| 9 | New Brunswick | $10,381 | $69,187 |
| 10 | Newfoundland and Labrador | $11,125 | $68,442 |
| 11 | Prince Edward Island | $11,899 | $67,668 |
| 12 | Nova Scotia | $12,743 | $66,824 |
| 13 | Quebec | $13,737 | $65,258 |
What your average tax rate actually is
The rate people quote is usually their marginal one, the rate on the last dollar. The average rate, what you actually pay across the whole salary, is far lower.
Total federal tax, provincial tax, CPP and EI as a share of gross pay. In Quebec, the same salary carries an average rate of 0.3%.
The distinction matters when you are deciding whether a raise is worth taking. Moving into a higher bracket only taxes the dollars inside that bracket, so the average rate climbs slowly even as the marginal rate jumps.
Why Quebec sits at the bottom
Two reasons, and only one of them is the rate everyone talks about.
Quebec sets the highest provincial rates in the country at most income levels. It also runs its own pension and parental insurance plans, QPP and QPIP, in place of the federal equivalents, and both cost more than what residents of other provinces pay into CPP and EI.
Working the other way, Quebec residents receive a federal abatement that reduces the federal portion of their bill. The figures here apply it. Even with the abatement, Quebec keeps the largest share of a $100,000 salary of any province.
Before you conclude the territories win
Nunavut tops this table, and Northwest Territories and Yukon are not far behind. On income tax alone that is real. As a reason to move it is not.
The cost of living in the territories is substantially higher than in southern Canada, particularly for food and housing, and the gap is far larger than the $9,722 of tax this page is measuring. A ranking of income tax is a ranking of income tax.
The same caution applies more mildly across the provinces. Alberta and Ontario are within about $551 of each other at this salary, which is smaller than most differences in rent between their major cities.
To run your own salary rather than the $100,000 example, the income tax calculator covers every province with CPP and EI included. If you are weighing what to do with the difference, the RRSP calculator shows the refund a contribution generates at your marginal rate, and our guide to TFSA, RRSP and FHSA covers which account should get it first.
Frequently asked questions
Which province has the highest take-home pay?
Nunavut, at $74,980 on a $100,000 salary on 2025 rates. Among the provinces rather than the territories, British Columbia leads at $73,782. The territories have low rates and small populations, which is why they head the list.
Which province has the highest income tax?
Quebec, leaving $65,258 on a $100,000 salary. That is $9,722 less than Nunavut. Quebec also runs its own pension and parental insurance plans, which is part of why its deductions sit above the rest.
How much tax do you pay on $100,000 in Canada?
Between $25,020 and $34,742 on 2025 rates, depending entirely on the province, counting federal tax, provincial tax, CPP and EI. The federal portion is identical everywhere; the province supplies the difference.
Is take-home pay higher in Alberta or Ontario?
Ontario, narrowly, at $73,104 against Alberta's $72,553 on a $100,000 salary. Alberta's flat-rate reputation helps more at higher incomes; at $100,000 the two are within about $550 of each other.
Why is take-home pay lower in Quebec?
Quebec sets its own provincial rates, which are the highest in the country at most income levels, and it runs the Quebec Pension Plan and Quebec Parental Insurance Plan in place of the federal equivalents. Quebec residents also receive a federal abatement, which this comparison applies.
How much are CPP and EI on a $100,000 salary?
Both are capped, so they stop rising well before $100,000. That means they are effectively a fixed amount at this salary, identical in every province outside Quebec, which uses QPP and QPIP instead.
Do the territories really pay less tax?
Yes, on income. Nunavut, the Northwest Territories and Yukon all have low provincial-equivalent rates. Whether that leaves you better off is a different question: the cost of living in the territories is substantially higher than in southern Canada.
Does moving province lower your tax?
It can, but residency is determined on 31 December of the tax year, and it means genuinely relocating, not just registering an address. Provincial tax follows where you actually live.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Income Tax by Province: $9,722 Apart in Take-Home Pay.” Vault Nerd, https://www.vaultnerd.com/ca/learn/income-tax-by-province, updated August 2026.
- Canada Revenue Agency, 2025 federal and provincial tax rates and brackets
- Canada Revenue Agency, 2025 CPP contribution rates and EI premium rates
- Revenu Quebec, 2025 QPP and QPIP rates