Income tax & take-home pay calculator
See exactly what lands in your bank account. Enter your salary and province to get your 2025 take-home pay per year, month, or paycheque — plus a full breakdown of where every dollar of tax goes.
2025 rates. Includes federal and provincial tax with the basic personal amount, the Ontario surtax, plus CPP and EI. Excludes provincial health premiums and credits beyond the basic personal amount — your actual return may differ.
Take-home pay = gross salary − federal tax − provincial tax − CPP/QPP − EI. Canada taxes progressively, so your average rate is always lower than your marginal rate (the rate on your next dollar earned).
Calculate by province
Provincial rates vary widely — the same salary can differ by thousands depending on where you live.
Frequently asked questions
How is take-home pay calculated in Canada?
Start with your gross salary, then subtract federal income tax, provincial or territorial income tax, CPP (or QPP in Quebec) contributions, and EI premiums. Both federal and provincial tax are reduced by the basic personal amount, a credit everyone receives. What's left is your net, or take-home, pay.
What's the difference between average and marginal tax rate?
Your marginal rate is the tax you pay on your next dollar of income — the rate of your top bracket. Your average rate is total tax divided by total income, which is always lower because Canada's system is progressive: earlier dollars are taxed at lower rates.
Which province has the lowest income tax?
Alberta, Nunavut, and the Northwest Territories generally have the lowest provincial and territorial income tax rates, while Quebec, Nova Scotia, and Newfoundland and Labrador tend to have the highest. The gap is widest at higher incomes.
Does this calculator include all deductions?
No. It models federal and provincial tax with the basic personal amount, plus CPP/QPP and EI/QPIP. It does not include provincial surtaxes, health premiums, RRSP deductions, or other credits, so treat the result as a close estimate rather than a filed return.
Researching and writing about Canadian taxes and personal finance since 2026.
“Income Tax & Take-Home Pay Calculator — VaultNerd” — VaultNerd, https://www.vaultnerd.com/tools/income-tax-calculator, updated August 2026.
- CRA federal income tax rates and brackets (2025)
- CRA provincial and territorial tax rates (2025)
- CPP contribution rates and EI premium rates (2025)