Federal + provincial tax, CPP and EI — your real take-home pay in any province or territory.
Canada taxes income twice: once federally and once provincially, and both use progressive brackets. In 2025 the federal rates run from 14.5% (the blended rate for the first bracket, after the mid-year cut from 15% to 14%) up to 33% above $253,414. Every province and territory then adds its own tax on top — which is why the same $75,000 salary leaves you with a different amount in Calgary than in Halifax.
On top of income tax, employees pay CPP contributions (5.95% of earnings between $3,500 and $71,300, plus a second 4% CPP2 tier up to $81,200) and EI premiums (1.64% up to $65,700 of insurable earnings). Quebec runs its own versions — QPP and QPIP — with slightly different rates, and Quebec residents get a 16.5% abatement on their federal tax.
| Taxable income | Federal rate (2025) |
|---|---|
| Up to $57,375 | 14.5% |
| $57,375 – $114,750 | 20.5% |
| $114,750 – $177,882 | 26% |
| $177,882 – $253,414 | 29% |
| Over $253,414 | 33% |
The federal basic personal amount is $16,129 for most people, phasing down to $14,538 between $177,882 and $253,414 of income.
For most salaries, Alberta wins: an 8% starting rate, the country's highest basic personal amount ($22,323) and no provincial sales tax. The territories (Nunavut especially) are also light on tax. Quebec sits at the other end with a 14% starting rate — though Quebecers get the federal abatement and heavily subsidised childcare in return. Ontario looks moderate on paper but adds a surtax on higher incomes plus a health premium of up to $900.
It assumes a single employee with only the basic personal credit, no RRSP deductions, and salary income only. Results are estimates — for personal advice, talk to an accountant.
Roughly $18,000–$22,500 in combined tax, CPP and EI depending on the province — pick your province above for the exact figure. Alberta and the territories leave the most in your pocket; Quebec the least (before its abatement and social benefits).
CPP: 5.95% of earnings between $3,500 and $71,300 (max $4,034), plus 4% CPP2 on earnings up to $81,200 (max $396). EI: 1.64% of earnings up to $65,700 (max $1,077). Quebec replaces these with QPP and QPIP at its own rates.
Yes — the first federal bracket uses the CRA's blended 14.5% rate for 2025 (15% for the first half of the year, 14% from July 1).
No — this shows tax before RRSP deductions. Every dollar you contribute to an RRSP reduces taxable income, so your marginal rate shown here is also your RRSP refund rate.