Free tool · Canada 2025
Canada Income Tax & Take-Home Calculator
See your take-home pay after federal and provincial income tax, CPP and EI. Pick your province — Ontario includes the surtax and health premium.
Annual: $72,000
More provinces coming. Tax year 2025.
Your monthly take-home pay
$4,459
Take-home / year
$53,506
Total deductions
$18,494
Average rate
25.7%
Marginal rate
29.6%
| Gross income | $72,000 |
| Federal tax | − $8,979 |
| Provincial tax (ON) | − $3,776 |
| Ontario Health Premium | − $600 |
| CPP | − $4,062 |
| EI | − $1,077 |
| Total deductions | − $18,494 |
| Net take-home (year) | $53,506 |
Estimate for employment income, tax year 2025 (federal + provincial). Includes the basic personal amount, CPP, EI, surtax and health premium. Excludes other credits, RRSP deductions and dividend/capital-gains treatment. Not tax advice.
What's included
Federal and provincial income tax (with the basic personal amount), the Canada Pension Plan (CPP, including CPP2) and Employment Insurance (EI). For Ontario it also applies the provincial surtax and the Ontario Health Premium — the pieces most simple calculators leave out.
Average vs marginal rate
Your average rate is total deductions over income — what you actually pay overall. Your marginal rate is the tax on your next dollar, which is what matters for an RRSP contribution or a raise.
New to Canada?
This tool works the same in your first year — you pay tax on income earned as a resident. Your basic personal amount may be prorated in a partial first year; check with a tax professional.
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