PayCalculator

Canada Paycheck Calculator 2025

See your exact take-home pay after federal tax, provincial tax, CPP, and EI. Updated for 2025 CRA brackets across every province and territory.

$

Bi-weekly take-home pay

$2,163.97

$56,263.28 / year  ·  75.0% of gross

Per paycheck

Gross pay
$2,884.62
Federal income tax
−$344.76

Effective: 12.0% · Marginal: 20.5%

Ontario tax
−$173.09

Includes health premium · Marginal: 9.2%

CPP contribution
−$160.85

Base CPP + 1% enhanced + CPP2 (4% on earnings above YMPE)

Employment Insurance (EI)
−$41.95
Take-home pay
$2,163.97

Provincial details applied

  • Ontario Health Premium: $750.00/yr (graduated, max $900)

Annual summary

Gross income
$75,000.00
Total deductions
$18,736.72

Combined effective rate: 25.0% · Combined marginal: 29.6%

Annual take-home
$56,263.28

2025 CRA federal & provincial brackets · BPA, CPP/EI credits, surtaxes, Ontario Health Premium and Quebec abatement applied · Estimates only — not tax advice

How this Canadian paycheck calculator works

This calculator computes your net take-home pay using 2025 CRA federal income tax brackets, your province's tax brackets, mandatory CPP (or QPP in Quebec) and EI contributions, and the Basic Personal Amount applied as a non-refundable tax credit at both federal and provincial levels. All calculations happen instantly in your browser — no data is stored or transmitted.

Federal tax uses Canada's five-bracket progressive system, starting at 15% and rising to 33% above $253,414. Provincial tax is calculated separately using your province's own brackets — these vary widely, from Alberta's 8% starting rate to Quebec's 14%. The Basic Personal Amount reduces both federal and provincial tax owed, making roughly the first $15,000–22,000 of income effectively tax-free depending on where you live.

Pre-tax deductions like RRSP contributions and registered pension plan contributions reduce your taxable income for both federal and provincial tax (but not for CPP or EI, which are calculated on gross earnings). For most Canadians, maximizing RRSP contributions is the single biggest lever for reducing income tax owed.

Paycheck calculator by province

Each province page applies that province's exact tax brackets and Basic Personal Amount.

AB Alberta BC British Columbia MB Manitoba NB New Brunswick NL Newfoundland and Labrador NT Northwest Territories NS Nova Scotia NU Nunavut ON Ontario PE Prince Edward Island QC Quebec SK Saskatchewan YT Yukon

Free RRSP & TFSA cheat sheet

Quick guide to maximizing both registered accounts — contribution room, withdrawal rules, and the order to fill them. Built for Canadians, not Americans.

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Frequently asked questions

How is my Canadian federal income tax calculated? ▾
Canada uses progressive federal tax brackets. For 2025, rates range from 15% on the first $57,375 of taxable income up to 33% on income above $253,414. The Basic Personal Amount ($16,129 for 2025) is applied as a non-refundable tax credit at the lowest 15% rate, effectively making the first ~$16,129 federally tax-free.
What are CPP and EI deductions? ▾
CPP (Canada Pension Plan) is a mandatory contribution of 5.95% on earnings between $3,500 and $71,300 for 2025, plus an additional 4% (CPP2) on earnings between $71,300 and $81,200. EI (Employment Insurance) is 1.66% on insurable earnings up to $65,700. Quebec residents contribute to QPP (6.4%) and QPIP instead, with a reduced EI rate of 1.31%.
How does the Basic Personal Amount work? ▾
The BPA is a non-refundable tax credit that reduces the tax you owe — not your taxable income. Federally, the 2025 BPA is $16,129 and gives you a credit of $16,129 × 15% = $2,419.35. Each province also has its own BPA, applied against provincial tax at the lowest provincial rate. Together they make the first ~$15–22k of income (depending on province) effectively tax-free.
Why is take-home pay different in Quebec? ▾
Quebec administers its own provincial tax system (Revenu Québec) with higher rates than most provinces, but it offers more public services. Quebecers also pay into QPP (6.4% vs 5.95% CPP) and QPIP (Quebec Parental Insurance Plan, 0.494%) in exchange for a reduced federal EI rate of 1.31%. Net effect: take-home pay in Quebec is typically a few thousand dollars lower than Ontario at the same gross salary.
Are RRSP contributions tax-deductible? ▾
Yes. RRSP (Registered Retirement Savings Plan) contributions reduce both your federal and provincial taxable income dollar-for-dollar, up to your annual contribution room (18% of earned income, max $32,490 for 2025). Use the 'pre-tax deductions' field to model how RRSP contributions affect your take-home pay.
What's the difference between marginal and average tax rate? ▾
Your marginal rate is the rate applied to your last dollar earned (federal + provincial top bracket combined — e.g. ~29.65% in Ontario at $75k). Your average (effective) rate is total tax divided by total income (~16% on $75k in Ontario after credits). The marginal rate matters for decisions like RRSP contributions and overtime; the average rate tells you what you actually pay.