Paycheck Calculator — Canada
Estimate your take-home pay after federal income tax, provincial tax, CPP contributions, and EI premiums. Results are estimates — actual deductions depend on your tax situation.
Calculate Your Take-Home Pay
2025 Canada Federal Tax Brackets
| Income | Federal Rate |
|---|---|
| Up to $57,375 | 15% |
| $57,375 – $114,750 | 20.5% |
| $114,750 – $158,519 | 26% |
| $158,519 – $220,000 | 29% |
| Over $220,000 | 33% |
Basic personal amount for 2025: $16,129 (federal). Provincial rates apply on top — see your province's tax authority for current brackets.
Frequently Asked Questions
What is the difference between marginal and effective tax rate?
Your marginal rate is the rate on your last dollar earned — the highest bracket you're in. Your effective rate is your total tax ÷ total income. If you earn $80,000, your marginal federal rate is 20.5%, but your effective federal rate is much lower because the first $57,375 is taxed at 15% and the first $16,129 is tax-free.
How much CPP do I pay in 2025?
For 2025, CPP contributions are 5.95% on earnings between $3,500 (exemption) and $71,300 (maximum pensionable earnings), capped at $4,034.10/year. CPP2 applies an additional 4% on earnings between $71,300 and $81,900. Your employer matches your CPP contribution dollar-for-dollar.
What is EI and how much do I pay?
Employment Insurance (EI) premiums in 2025 are 1.64% of insurable earnings up to a maximum of $65,700/year, capped at $1,077.48. Quebec residents pay a lower rate (1.31%) because Quebec has its own parental insurance plan (QPIP).
Why is my actual paycheck different from this estimate?
This calculator uses simplified tax brackets and doesn't account for: RRSP contributions, pension deductions, union dues, additional tax credits (disability, tuition, childcare), commission income, multiple income sources, or Quebec-specific deductions. Use this for a ballpark estimate — your employer's payroll system has the full picture.