Canadian income tax is calculated in two layers: federal tax and provincial tax. Both layers apply progressive bracket rates, and each province sets its own brackets — meaning two Canadians earning the same salary can pay very different total taxes depending on where they live. A resident of Alberta...
Selected: Ontario
| BRACKET | RATE | NOTE |
|---|---|---|
| $0 – $57,375 | 14.5% | Reduced from 15% — mid-year cut effective July 1 |
| $57,376 – $114,750 | 20.5% | |
| $114,751 – $177,882 | 26% | |
| $177,883 – $253,414 | 29% | BPA credit begins reducing above $177,882 |
| Above $253,414 | 33% |
BPA (Basic Personal Amount): $16,129 · BPA credit = $16,129 × 14.5% = $2,338.71 · Add provincial tax for total bill
Enter your Annual Income — employment income, self-employment, or total taxable income.
Select your Province — each province has different brackets and rates that stack on top of federal tax.
Optionally enter your RRSP Contribution (max $32,490 for 2025) — this reduces your taxable income directly.
See federal tax, provincial tax, total tax, and take-home pay with a full federal bracket breakdown.
Note: this calculator covers basic employment income. CPP contributions, EI premiums, and Ontario surtax are not included.
$80,000 income, Ontario, no RRSP. Federal tax: 14.5% on $57,375 = $8,319.38 + 20.5% on $22,625 = $4,638.13 = $12,957.51. Less BPA credit ($16,129 × 14.5%) = $2,338.71. Federal tax net = $10,618.80. Ontario tax: 5.05% on $51,446 = $2,598.02 + 9.15% on $28,554 = $2,612.69 = $5,210.71. Less Ontario BPA credit ($11,853 × 5.05%) = $598.58. Ontario tax net = $4,612.13. Total tax = $15,230.93. Take-home = $64,769.07. Effective rate = 19.04%.
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2025 CRA rates · Federal + Provincial combined · Does not include CPP, EI, surtax, or OAS clawback · For informational purposes only · Last updated: April 25, 2026