Canada Tax Calculator 2025
Calculate federal + provincial income tax with the 2025 inflation-adjusted brackets, CPP ($71,300 ceiling), EI ($65,700 ceiling), GST/HST, and corporate tax. Switch between Ontario, Quebec, BC, Alberta, and Manitoba — the combined bands and sales tax rate update automatically.
Based on Canada Revenue Agency (CRA) and provincial revenue agency 2025 rates. Federal Basic Personal Amount $16,129. v1 supports 5 provinces (ON, QC, BC, AB, MB). Quebec abatement (16.5% federal credit) and provincial Basic Personal Amounts not modelled. For informational purposes only — consult a CPA or CRA-recognised tax preparer for official advice.
Canada Personal Income Tax Calculator
Combined federal + provincial income tax based on the province you select above. Includes CPP and EI contributions. Federal Basic Personal Amount of $16,129 is applied as the exemption.
Common Canadian deductions and credits that reduce your taxable income.
Tax Breakdown
Canada Corporate Income Tax Calculator
Federal Small Business Rate: 9% on first $500,000 of active business income (CCPCs). General Federal Rate: 15% above. Provincial corporate tax adds 2–16% depending on province (not included here).
Tax Breakdown
Canada GST/HST Calculator (varies by province)
Sales tax rate updates based on your selected province. HST in Ontario (13%) and Atlantic provinces (15%). GST 5% in others (with separate PST in BC, MB, SK, or QST in Quebec).
Canada GST/HST Calculator Breakdown
Key Facts About Canadian Tax
Canada has a dual federal + provincial tax system. The Canada Revenue Agency (CRA) administers federal tax; each province has its own revenue agency.
Federal + Provincial Stack
Income tax = federal bracket + provincial bracket. Top combined marginal rates range from 47.5% (Saskatchewan) to 54.8% (Newfoundland) on income above ~$250k. Quebec collects its own tax separately.
$16,129 Basic Personal Amount
Federal BPA in 2025 is $16,129 — earnings below that are tax-free at the federal level. Each province has its own BPA (Ontario ~$12,747, Alberta ~$22,323, Quebec ~$18,571).
RRSP — Tax Deferral
Registered Retirement Savings Plan contributions are deductible up to 18% of earned income or $31,560 for 2024, whichever is less. Reduces taxable income now; tax owed only on withdrawal in retirement.
GST/HST Patchwork
5% GST nationwide. HST (federal+provincial combined) in ON (13%), NS/NB/NL/PE (15%). Separate PST in BC (7%), MB (7%), SK (6%). Quebec uses QST 9.975%.
Small Business 9%
Canadian-Controlled Private Corporations (CCPCs) pay just 9% federal corporate tax on the first $500,000 of active business income. Provincial small business rates add 0–4% on top.
CRA My Account
Online portal for personal taxpayers. NETFILE-certified software (like TurboTax, Wealthsimple Tax) lets you file your T1 return electronically. Most refunds processed in 2 weeks.
Track Your Canadian Taxes Automatically with Billing+
Create GST/HST-compliant invoices with the right rate per province, track expenses, and generate CRA-ready reports — all from one app.
Get Started FreeHow to Pay Tax in Canada
From getting your Social Insurance Number to filing your T1 — here's how Canadian tax compliance works.
Get Your SIN and CRA My Account
Every taxpayer needs a Social Insurance Number (SIN) from Service Canada — used for employment, taxes, and most government services. Then register for CRA My Account at canada.ca/en/revenue-agency — your hub for filing, refund tracking, NETFILE, and CRA correspondence.
Sign In to CRA My Account →Understand Your Tax Obligations
Employees: Employer withholds federal + provincial income tax, CPP, EI from each paycheck. File annually. Self-employed: File T2125 with your T1, plus quarterly instalments if tax owing exceeds $3,000. Corporations: Annual T2 return + GST/HST returns (monthly, quarterly, or annual depending on size).
Keep Records and Issue Invoices
CRA requires you to keep records for at least 6 years. GST/HST invoices must include your GST/HST number, the buyer's info, line items, and tax broken out. Billing+ handles per-province sales tax rates automatically.
Start Tracking for Free →File Your T1 Return
T1 individual return due 30 April for most taxpayers (15 June if self-employed, but any tax owing still due 30 April). NETFILE via CRA-certified software (TurboTax, Wealthsimple Tax, H&R Block, free options like StudioTax). Paper filers send to the CRA office for their province.
Pay and Track Your Refund
Pay via CRA My Account, online banking (use 'CRA' as the payee), pre-authorised debit, or at any Canadian financial institution. Refunds are direct-deposited usually within 8 business days if you signed up. Late filing penalty: 5% of balance owing + 1% per month.
Frequently Asked
Questions
Everything you need to know about Canadian tax for 2024.
What are Canada federal income tax rates 2025?
15% on first $57,375. 20.5% on $57,375–$114,750. 26% on $114,750–$177,882. 29% on $177,882–$253,414. 33% above $253,414. The federal Basic Personal Amount of $16,129 means the first $16,129 of income is effectively tax-free at the federal level.
How does provincial tax stack on top?
Each province adds its own income tax bands. Examples of top provincial marginal rates: Ontario 13.16%, Quebec 25.75%, BC 20.5%, Alberta 15%, Manitoba 17.4%. Top combined marginal rates range from ~47.5% (SK) to ~54.8% (NL). Quebec residents get a 16.5% federal abatement because Quebec runs its own programmes.
What is GST/HST/QST/PST?
GST (Goods and Services Tax) is 5% federal nationwide. HST (Harmonized Sales Tax) combines GST + provincial in ON (13%), NB/NS/NL/PEI (15%). QST (Quebec Sales Tax) is 9.975% — combined with GST gives 14.975%. PST (Provincial Sales Tax) in BC (7%), SK (6%), MB (7%) is separate and not always charged on the same items as GST.
What are CPP and EI?
CPP (Canada Pension Plan, 2025): 5.95% of pensionable earnings between $3,500 and $71,300 = max ~$4,034/year. CPP2: additional 4% on earnings $71,300–$81,200 = max ~$396. EI (Employment Insurance): 1.66% on insurable earnings up to $65,700 = max ~$1,091. Self-employed pay both employee + employer CPP = 11.9%.
What is the RRSP deduction limit?
Lesser of 18% of previous year's earned income or $32,490 in 2025, minus pension adjustments. Unused contribution room carries forward indefinitely. RRSP contributions are deductible from taxable income — tax is deferred until withdrawal (typically retirement, when you're in a lower bracket).
When is the Canadian tax return due?
T1 individual return: 30 April following the tax year (so 2024 returns due 30 April 2025). Self-employed filers have until 15 June to file, but any tax owing is still due 30 April. T2 corporate return: within 6 months of fiscal year-end. GST/HST returns: monthly, quarterly, or annual depending on your filing frequency.
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