Canada Income Tax Calculator
Calculate your 2024 federal and provincial income tax, CPP contributions, EI premiums, and exact take-home pay for any province or territory.
| Gross income | CA$85,000 |
| Federal income tax | –CA$11,133 |
| Ontario provincial tax | –CA$4,583 |
| CPP contributions | –CA$3,868 |
| EI premiums | –CA$1,049 |
| Total deductions | –CA$20,632 |
| Take-home pay | CA$64,368 |
Calculate by Province or Territory
Each province has its own tax rates and rules. Select yours for a tailored calculator with local tax facts.
Frequently Asked Questions
How is Canadian income tax calculated?
Canada uses a progressive federal tax system with 5 brackets ranging from 15% to 33%. Each province also charges its own income tax on top of federal tax. You only pay the higher rate on income above each threshold — not on your entire income.
What is CPP and EI?
CPP (Canada Pension Plan) is a mandatory retirement savings contribution of 5.95% on employment income between $3,500 and $68,500 in 2024. EI (Employment Insurance) is 1.66% of insurable earnings up to $63,200. Both reduce your take-home pay but provide future benefits.
What is the basic personal amount?
The federal basic personal amount for 2024 is $15,705 — income up to this threshold is effectively tax-free at the federal level. Each province also has its own basic personal amount.
Why is Ontario tax higher than Alberta?
Alberta has no provincial income tax on lower incomes and competitive rates at higher incomes. Ontario adds provincial surtaxes at higher income levels. Alberta is generally the most tax-friendly province for high earners.