Canada Salary After Tax Calculator (2025)
Estimate your Canadian take-home pay after federal and provincial income tax, CPP, and EI for 2025. Supports Ontario, British Columbia, and Alberta.
Eligibility & Estimate Tool
2025 RulesAfter federal and provincial income tax, CPP, and EI. Excludes other credits and deductions.
checklistDocuments you may needexpand_more
- Your T4 slip (employment income and deductions)
- Records of RRSP contributions and other credits
- Notice of Assessment from a prior year for reference
Official sources
- Canada's federal income tax rates - Canada Revenue Agency
- CPP contribution rates, maximums and exemptions - Canada Revenue Agency
- EI premium rates and maximums - Canada Revenue Agency
Disclaimer: Estimate only for 2025. Applies the basic personal amount only and excludes other credits, RRSP deductions, the Ontario Health Premium, and Quebec's system. Not tax advice.
Frequently Asked Questions
Which provinces are supported?expand_more
Ontario, British Columbia, and Alberta have full provincial calculations. Choosing 'Other' gives a federal-only estimate (no provincial tax), which understates your real deductions.
Does this include CPP and EI?expand_more
Yes. It includes base CPP (5.95% between 3,500 and 71,300), the additional CPP2 (4% between 71,300 and 81,200), and EI (1.64% up to 65,700) for 2025.
Why might my pay stub differ?expand_more
Employers withhold using payroll tables, and your situation may include other credits, RRSP contributions, or benefits. This is a full-year estimate using the basic personal amount only.
What this calculator does
Estimate your Canadian take-home pay after federal and provincial income tax, CPP, and EI for 2025. Supports Ontario, British Columbia, and Alberta.
Who it is for
Employees and job seekers in Ontario, British Columbia, or Alberta who want to estimate take-home pay from a gross salary.
How it works
Federal and provincial income tax are each calculated on your salary using marginal brackets, then reduced by the basic personal amount credit. Ontario adds a surtax on higher provincial tax. CPP and EI are added as separate payroll deductions. Take-home pay is your salary minus all of these.
Example calculation
In Ontario on a 60,000 salary: federal tax is about 6,725, Ontario tax about 2,678, CPP 3,361.75, and EI 984. Total deductions are about 13,749, leaving roughly 46,251 of take-home pay.
Regional variations
Every province and territory sets its own income-tax brackets and credits. Quebec runs a separate system (with its own pension plan, QPP, and a federal abatement) and is not covered here. Ontario also has a Health Premium not included in this estimate.
Common mistakes to avoid
- Selecting 'Other' and treating the federal-only figure as your real take-home - provincial tax still applies where you live.
- Forgetting that RRSP contributions and other credits can reduce your tax below this estimate.
- Assuming CPP and EI continue all year - they stop once you hit the annual maximums.
What you will need
- Your T4 slip (employment income and deductions)
- Records of RRSP contributions and other credits
- Notice of Assessment from a prior year for reference
Deadlines
Most individuals must file their Canadian tax return by April 30 for the previous calendar year; self-employed individuals have until June 15, with any balance owing still due April 30.
Sources
- Canada's federal income tax rates - Canada Revenue Agency (retrieved 2026-06-09)
- CPP contribution rates, maximums and exemptions - Canada Revenue Agency (retrieved 2026-06-09)
- EI premium rates and maximums - Canada Revenue Agency (retrieved 2026-06-09)
Last verified: June 9, 2026 · Effective year 2025 · Rules v1.0.0
Disclaimer: Estimate only for 2025. Applies the basic personal amount only and excludes other credits, RRSP deductions, the Ontario Health Premium, and Quebec's system. Not tax advice.
Related
Related calculators
Popular in CA
More for CA
Learn more
Guides related to this calculator
Keep going