Net Salary Calculator for Canada

Your estimated net pay

These amounts are based on 2025 federal and provincial/territorial tax brackets, CPP/QPP and EI/QPIP employee contributions, assuming only basic personal credits.

• Net per year:
• Net per month:
• Net per pay period:

Tax & contributions breakdown

• Federal income tax:
• Provincial/territorial tax:
• CPP/QPP + EI/QPIP contributions:
• Total tax & contributions:
• Effective tax rate (all deductions / gross):

Note: Results may differ slightly from other online calculators because this tool applies 2025 federal and provincial rules with CPP/EI credits and current CRA methodology for basic scenarios.

How this Net Salary Calculator works

This tool uses 2025 federal and provincial/territorial tax brackets, basic personal amounts, and statutory payroll contributions to estimate your net employment income. For non-Quebec provinces, CPP and EI are applied; for Quebec, QPP and QPIP rules are used. We assume a single individual with only employment income and basic credits.

Calculations follow the same general principles as the CRA payroll deduction formulas for 2025: we annualize your income, apply CPP/QPP and EI/QPIP, compute taxable income, then apply federal and provincial brackets and non-refundable credits.

Important: This calculator is based on 2025 rules only so users know the numbers are up-to-date. Actual tax results may differ depending on your full situation (spouse, dependants, additional credits, etc.).

2025 tax brackets used for your selection

The table below shows the 2025 federal and provincial/territorial tax brackets used to estimate your net income for the selected province or territory.

Tax brackets & official sources

This net salary calculator is based on 2025 Canadian federal and provincial/territorial tax brackets and payroll contribution rules. For the most up-to-date and detailed rates, always refer to official government resources such as the Canada Revenue Agency (CRA) and your provincial or territorial tax authority.

Canada's key tax credits and benefits

Across Canada, a mix of federal and provincial/territorial credits and benefits can reduce how much income tax you pay or increase your after-tax income. The list below highlights some of the most common programs. For full details and current amounts, always refer to the official Canada Revenue Agency (CRA) pages and your provincial or territorial government.

• Federal Basic Personal Amount (BPA) - a non-refundable tax credit that lets most residents earn a base amount of income tax-free at the federal level each year (the CRA publishes updated BPA values annually).
• Provincial/territorial basic personal amounts - each province and territory has its own basic personal amount and credit rate, which reduce provincial/territorial tax owing.
• GST/HST Credit - a tax-free quarterly payment that helps individuals and families with low and modest incomes offset GST/HST paid on purchases. You're generally assessed automatically when you file your tax return.
• Canada Child Benefit (CCB) - a tax-free monthly benefit for eligible families raising children under 18, with some related provincial and territorial programs.
• Canada Workers Benefit (CWB) - a refundable credit for eligible low-income workers, which can increase your refund or reduce your balance owing.
• Disability Tax Credit (DTC) and related supports - non-refundable credits and benefits that help eligible persons with disabilities, and in some cases their caregivers, reduce income tax payable.
• Registered plans & deductions - contributions to RRSPs and certain pension plans, plus other eligible deductions (such as specific employment or moving expenses), can reduce your taxable income.
• Provincial/territorial credits - many regions offer their own relief (for example, energy, property tax, cost-of-living, or low-income credits). Check your local government or CRA benefit pages for up-to-date programs.

How does the marginal tax rate work in Canada?

Canada uses a progressive tax system. Your income is divided into brackets, and each portion is taxed at the rate for that bracket. Both the federal government and each province/territory set their own brackets and rates.

As your income rises, your marginal tax rate (the rate on the next dollar you earn) increases. However, you only pay a higher rate on the slice of income that falls within that bracket, not on your entire income. Combined federal and provincial/territorial marginal rates vary by region and income level and can range from relatively low for modest incomes to above 50% at the highest brackets in some jurisdictions.

For current bracket tables and combined rates, always consult the CRA and your provincial or territorial finance/tax authority.

How much tax is taken off a Canadian paycheque?

Income tax and payroll deductions withheld from your pay depend on:

• your total employment income and pay frequency (weekly, bi-weekly, semi-monthly, monthly),
• the federal and provincial/territorial tax brackets that apply where you live,
• the personal amounts and credits you claim on your TD1 (federal) and applicable provincial/territorial TD1 forms,
• mandatory contributions such as CPP/QPP and EI (and QPIP in Quebec).

Your employer uses these forms and official CRA payroll deduction tables/tools to estimate how much to withhold. Over the year, total income tax deducted is reported in Box 22 of your T4 slip , while CPP/QPP and EI/QPIP contributions are shown in the corresponding boxes.

When are income taxes due in Canada?

For the 2025 tax year (filed in 2026):

• Most individuals must file their return by April 30, 2026.
• If you or your spouse/common-law partner have self-employment income, you can file by June 15, 2026, but any balance owing is still due by April 30, 2026.

Official deadlines and any updates are posted on the CRA due dates page .

How long does it take to receive a tax refund?

If your return is complete and not selected for review:

• Online (NETFILE): the CRA often issues a notice of assessment and any refund in about 2 weeks. Learn more about electronic filing via NETFILE .
• Paper return: processing and refunds can take up to 8 weeks after the CRA (or Revenu Québec) receives your return.

How can I pay my income taxes online?

If you owe a balance, you can pay the CRA securely using:

• My Payment - direct online payment from your bank account,
• a pre-authorized debit set up through CRA My Account ,
• your financial institution's online banking (selecting CRA as a payee),
• approved third-party services that allow payment by credit card or similar methods (listed on the CRA payment options page).

Does everyone have to file an income tax return?

Not everyone is strictly required to file every year, but most people should file because:

• if you earned employment, self-employment, pension, investment, rental, or other taxable income as a resident of Canada, you may have to report it,
• you might need to file to repay benefits or credits, or to stay eligible for payments such as the GST/HST credit, Canada Child Benefit (CCB), or provincial benefits,
• residents of Canada generally must report their worldwide income.

Age, student status, or job type alone do not automatically exempt you from filing. See the CRA guidance on who should file a tax return .

How long should I keep my tax records?

In most cases, you must keep your tax records and supporting documents for at least 6 years from the end of the tax year.

• If you file late, the 6-year period starts from the date you file.
• Because adjustments can usually be requested for up to 10 years, many people choose to keep key records longer in case the CRA asks for proof or you need to correct something.

Frequently Asked Questions (FAQs)