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

Your inputs

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

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Monthly—

Bi-weekly (26)—

Per week—

Total tax + deductions—

Average rate—

Marginal tax rate—

Taxable income—

Tax saved by contributing—

Tax without RRSP—

Tax with RRSP—

RRSP contribution—

Marginal tax rate—

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.