What tax year does this cover?

2025 tax year — returns are due April 30, 2026 (June 15, 2026 if you or your spouse are self-employed, with payment still due April 30). Brackets are CRA-confirmed using the 2.7% indexation factor announced November 2024.

Do I enter taxable income or gross income?

Taxable income — your gross income minus RRSP contributions, union dues, child-care expenses, and other line-deductions. Federal and provincial tax both apply to this same figure (with minor provincial adjustments not modelled here).

How does Quebec differ from other provinces?

Quebec collects its own provincial income tax (highest in Canada) and Quebec residents receive a 16.5% federal abatement — federal tax is multiplied by (1 − 0.165) before being added to Quebec tax. The calculator applies this automatically when QC is selected.

What's the Ontario surtax?

Ontario applies a surtax on top of provincial tax: 20% on tax above $5,710 and an additional 36% on tax above $7,307 (so 56% combined). The calculator includes this when ON is selected.

What's the difference between marginal and effective rate?

Marginal rate is the bracket your last dollar falls in (e.g., 24% federal + 9.15% Ontario = 33.15% combined). Effective rate is total tax divided by taxable income — always lower than marginal because earlier dollars are taxed at lower brackets.

CPP, EI, OAS clawback, AMT, federal/provincial credits (basic personal amount is included as a simple deduction; spousal amount, age amount, disability amount, donations, dividend gross-up are not), and Quebec-specific QPP/QPIP. Use the dedicated CPP / EI / OAS calculators for paycheck modelling. Treat this as a planning estimate, not a filing-grade calculation.

Will 2026 tax-year brackets be added?

Yes — once CRA publishes the 2026 indexation factor (typically mid-November 2025) we'll add a 2026 toggle so you can compare. Until then this tool uses 2025 brackets which are the most recent confirmed numbers.

Canadian Income Tax Calculator

Finance· 33 tools

Free Canadian income tax calculator. Estimate combined federal + provincial / territorial income tax for the 2025 tax year using CRA-confirmed brackets and basic personal amounts (BPA). Includes Quebec abatement (16.5% federal reduction for QC residents) and Ontario surtax. Shows total tax owing, after-tax income, effective rate, and combined marginal rate, plus a per-bracket federal and provincial breakdown. For US workers, see the US Tax Bracket Calculator.

Taxable income (CAD)

Gross income minus RRSP contributions and other deductions.

Province or territory

2025 tax year · Returns due April 30, 2026

CRA-confirmed federal brackets, 13 provincial / territorial brackets, basic personal amounts, Quebec abatement, Ontario surtax.

Estimates only · CPP, EI, OAS clawback, AMT, and most credits not modelled. Verify with CRA before filing.

Total tax (ON)

$12,441

After-tax: $62,559

Federal

$8,913

ON Provincial

$3,528

Effective rate

16.6%

Marginal (fed + prov)

29.6%

Federal bracket breakdown

Bracket	Taxable	Tax
15%	$57,375	$8,606
20.5%	$1,496	$307

ON provincial bracket breakdown

Bracket	Taxable	Tax
5.05%	$52,886	$2,671
9.15%	$9,367	$857

Disclaimer: For informational purposes only. This is not financial, tax, or legal advice — consult a licensed professional before making decisions.

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