Quickly estimate your Canadian income taxes with our free calculator. Enter your income, RRSP contributions, and province to see federal and provincial tax, CPP, EI, and your net take-home pay.
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Income Tax Calculator
Income Tax Calculator Canada
Use our free Canadian Income Tax Calculator to estimate federal and provincial taxes, CPP and EI, total payable, average and marginal rates, and take-home pay. Tap your province or territory and try the quick presets.
Free Canada Income Tax Calculator
Select your province or territory
CPP and EI are estimates for illustration only.
Your Tax Results
Federal tax
$0
Prov/territorial tax
$0
Total income tax
$0
Average / Marginal
0% / 0%
Take-home pay
$0
Blue segments show taxes and payroll deductions; red is take-home.
0% Fed • 0% Prov • 0% CPP • 0% EI • 0% Net
Tax Breakdown Tables
Federal brackets applied
| Bracket | Taxed amount | Rate | Tax |
|---|
Provincial or territorial brackets applied
| Bracket | Taxed amount | Rate | Tax |
|---|
Brackets and rates are simplified estimates for 2024 and for education only. Actual returns depend on credits, deductions, benefits, and provincial surtaxes or premiums.
Effective Rate by Income (current province)
| Income | Total tax | Average rate | Take-home |
|---|
Calculated using your current CPP/EI toggle and RRSP set to 0 for comparability.
Plan your cash flow with confidence
Compare financing options from trusted Canadian lenders to smooth expenses or invest in opportunities.
How to Use the Income Tax Calculator
- Tap your province or territory tile.
- Enter employment income, other taxable income, and optional RRSP contributions.
- Toggle CPP and EI if you want those estimates included.
- Use the preset chips for quick amounts or tap Calculate Taxes to see your results.
This tool provides quick estimates for planning. For official guidance, consult CRA resources or a qualified tax professional.
Income Tax Basics in Canada
Progressive tax system
- Federal and provincial systems use brackets; each slice of income is taxed at its rate.
- Marginal rate = rate on your next dollar. Average rate = total tax ÷ taxable income.
- CPP and EI are payroll deductions separate from income tax.
What affects final tax
- Deductions lower taxable income – RRSP, union dues, child care, moving expenses.
- Credits reduce tax payable – basic personal amount, age, disability, tuition and more.
- Province-specific surtaxes, premiums or credits may apply.
Optimizing your tax
- Time RRSP contributions to reduce income in higher-bracket years if possible.
- Consider spousal RRSPs and permitted income-splitting rules where appropriate.
- Track receipts for eligible deductions and credits year-round.
Key deadlines
- Most personal returns due April 30.
- Self-employed: file by June 15; balances still due April 30.
- RRSP deadline for prior year is typically first 60 days of the new year.
Income Tax Calculator FAQs (Canada)
How accurate is this calculator?
It provides educational estimates using simplified 2024 brackets for each province or territory. Actual results depend on credits, deductions, benefits, and any provincial surtaxes or premiums.
Does it apply the basic personal amount and other credits?
This version focuses on bracket math and optional CPP/EI estimates. Many non-refundable credits are not applied, so results may differ from your final return.
Can I include RRSP contributions?
Yes. Enter RRSP contributions to reduce taxable income, subject to your RRSP room and CRA rules.
How are CPP and EI handled?
When toggled on, the tool estimates annual CPP and EI up to their caps. These are approximations only.
What’s counted as “other taxable income”?
Investment income, self-employment income, rental income, and taxable benefits. Enter net amounts where applicable.
Why is my marginal rate higher than my average rate?
Only your last slice of income is taxed at the highest rate; earlier slices are taxed at lower rates.
Do all provinces have the same brackets?
No. Each province or territory sets its own brackets and rates. The calculator switches automatically based on your selection.
Should I borrow to cover a tax balance?
Financing can smooth cash flow but adds interest cost. Compare rates and terms carefully before proceeding.
