Calculate your federal and provincial income tax. See your tax by bracket, marginal rate, average rate, and take-home pay across all provinces and territories.
Canada uses a progressive tax system where your income is taxed at increasing rates as it passes through each bracket. You pay the lower rate only on the portion within that bracket — not on your entire income. Federal tax applies to all Canadians, and each province or territory adds its own brackets on top.
The federal government reduced the lowest bracket from 15% to 14% effective July 2025 (fully in effect for 2026). All thresholds are indexed by 2.0% for inflation:
Since 2024, capital gains above $250,000 in a year are included at 66.67% (two-thirds) rather than 50%. Gains up to $250,000 retain the traditional 50% inclusion rate. This calculator automatically applies the correct tiered inclusion based on your entered capital gains amount.
Expand the "Advanced inputs" section to model more complex tax situations. You can enter your RRSP deduction to see how much tax it saves at your marginal rate, self-employment income (with automatic CPP calculation at both the employee and employer share), non-eligible dividends from Canadian private corporations (grossed up at 15% instead of 38%), net rental income, and foreign income with a foreign tax credit.
The calculator shows your RRSP tax savings as a highlighted card, making it easy to see whether a larger RRSP contribution is worthwhile at your current bracket. For self-employed Canadians, it also shows the total CPP obligation (both halves) separately from income tax.
Each province has its own brackets. Use the calculator above or see province-specific pages: