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Canada Tax Calculator

Estimate your Canadian federal and provincial income tax. See your total tax, effective rate, and after-tax income based on CRA tax brackets.

Tax Breakdown (2024)

Gross IncomeC$85,000
Basic Personal AmountC$15,705
Taxable IncomeC$69,295
Federal TaxC$11,133
Provincial Tax (Ontario)C$6,340
CPP ContributionsC$3,868
EI PremiumsC$1,049
Total DeductionsC$22,390
After-Tax IncomeC$62,610
Monthly Take-HomeC$5,218
Effective Tax Rate26.3%

Federal Tax by Bracket

15% on C$55,867C$8,380
20.5% on C$13,428C$2,753

How Canadian Income Tax Works

Canada uses a progressive tax system at both the federal and provincial levels. Your total income tax is the sum of federal and provincial taxes.

The 2024 federal tax brackets for Canada are:

  • 15% on the first C$55,867
  • 20.5% on C$55,867 to C$111,733
  • 26% on C$111,733 to C$154,906
  • 29% on C$154,906 to C$220,000
  • 33% on income over C$220,000

In addition to income tax, employees pay CPP (Canada Pension Plan) contributions of 5.95% on employment income between C$3,500 and C$68,500, and EI (Employment Insurance) premiums of 1.66% on insurable earnings up to C$63,200.

Note: Provincial tax rates vary. This calculator uses a simplified flat provincial rate for estimation. Consult the CRA for exact figures.

Frequently Asked Questions

This calculator uses the 2024 Canadian federal tax brackets and rates as published by the CRA, along with estimated provincial rates.

This calculator uses a simplified average provincial rate for each province. Most provinces have their own progressive brackets. For exact provincial calculations, refer to the CRA or your provincial tax authority.

CPP (Canada Pension Plan) is a mandatory retirement contribution. EI (Employment Insurance) provides temporary income if you lose your job. Both are deducted from your pay alongside income tax.

Yes, Quebec has its own provincial income tax system (Revenu Québec) and a separate pension plan (QPP) instead of CPP. Quebec residents also pay a slightly higher provincial rate. This calculator provides an approximation.

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