Canadian Income Tax Calculator 2025 — Take-Home Pay, CPP/EI & RRSP Savings

Your inputs

Gross annual income Province / Territory RRSP contribution (% of gross income)

Your take-home pay

—

Monthly—

Bi-weekly (26)—

Per week—

Total tax + deductions—

Average rate—

Marginal tax rate—

Taxable income—

Deductions breakdown (annual)

RRSP tax savings

Tax saved by contributing—

Tax without RRSP—

Tax with RRSP—

RRSP contribution—

Marginal tax rate—

Use it offline

Download the full calculator as an Excel spreadsheet — identical 2025 rates and formulas, plus an editable rate table. Works in Excel, Google Sheets or LibreOffice, with no internet needed.

⬇Download Excel version (.xlsx)

Federal tax brackets — 2025

Bracket	Rate	Taxed in band	Tax

Provincial tax brackets — 2025

Bracket	Rate	Taxed in band	Tax

Contributions detail (on gross income)

Item	Base	Rate	Amount

Assumptions, limitations & sources — read before relying on this

Included: 2025 federal brackets (CRA's blended 14.5% bottom rate), full 2025 provincial/territorial brackets for all 13 jurisdictions, basic personal amount credits (federal + provincial), CPP/CPP2 (QPP/QPP2 in Quebec) and EI capped at the 2025 maximums, QPIP and the 16.5% federal abatement for Quebec.
RRSP: contributions reduce taxable income; "tax saved" compares tax owed with vs. without the contribution, assuming it fits your available RRSP room (18% of income, up to $32,490 for 2025).
Not modelled: Ontario surtax & health premium; the federal BPA high-income phase-out (flat $16,129 used); self-employment (employee CPP/EI only); other credits/deductions (tuition, dividends, capital gains, spousal amounts, etc.).
Estimate only — not tax advice. Verify against the CRA before filing. Provincial basic personal amounts are indexed yearly; confirm current figures.
Sources: CRA (canada.ca), TaxTips.ca and PwC Tax Summaries for 2025 brackets; CRA / Service Canada for 2025 CPP, EI, QPP and QPIP maximums.