🇨🇦 Canada tax & finance calculators
Same gross. Different province = different paycheck. Alberta vs Quebec gap is biggest in the OECD.
🇨🇦 Canada key numbers
Top 8 Canada calculators
All Canada tax & salary tools
Tax brackets, retirement, payroll, and credits that follow CRA rules. Universal calculators (loans, health, sport, conversions) are below.
🇨🇦Canada tax & salary Tools
⚱️Estate · Pre-death & After-death Tools
🇨🇦 Canada city calculators
Federal plus provincial tax, salary, and mortgage calculators for the largest Canadian cities.
Canadian tax planning: federal + provincial
Canada layers federal income tax (15%-33% across 5 brackets) on top of provincial tax (which varies dramatically: Alberta has a flat 10% on the first 151K then graduated, while Quebec hits 25.75% at top end). Combined marginal rates range from ~25% in Alberta on low income to 54% in Nova Scotia on top earners. The CRA collects taxes for all provinces except Quebec, which runs its own Revenu Quebec.
2025 federal income tax brackets
| Bracket | Income | Rate |
|---|---|---|
| Tier 1 | Up to CAD 57,375 | 15% |
| Tier 2 | CAD 57,375 to 114,750 | 20.5% |
| Tier 3 | CAD 114,750 to 177,882 | 26% |
| Tier 4 | CAD 177,882 to 253,414 | 29% |
| Tier 5 | Above CAD 253,414 | 33% |
The Canadian tax-advantaged trio: RRSP, TFSA, FHSA
- RRSP (Registered Retirement Savings Plan): 18% of earned income up to CAD 32,490 (2025). Tax-deductible IN, taxable OUT. Best for high earners now expecting lower income in retirement. Spousal RRSP allows income-splitting.
- TFSA (Tax-Free Savings Account): CAD 7,000 contribution room for 2025 (cumulative since 2009 if you've never contributed: ~CAD 102,000). After-tax contributions, tax-free growth and withdrawals. Best for medium-term savings, emergency funds, or retirement complement.
- FHSA (First Home Savings Account): NEW (April 2023). CAD 8,000/year, CAD 40,000 lifetime. Combines RRSP-style deduction with TFSA-style tax-free withdrawal. Use for first home purchase or transfer to RRSP. Best new account in decade.
- RESP (Registered Education Savings Plan): CAD 50,000 lifetime per child. Government adds 20% CESG match (max CAD 7,200 lifetime). Tax-deferred until withdrawal in child's name (usually low/zero tax).
- RDSP (Registered Disability Savings Plan): For people eligible for Disability Tax Credit. Government adds matching grants and bonds.
Provincial tax at a glance (top combined federal+provincial marginal rate, 2025)
| Province | Top marginal rate | Sales tax |
|---|---|---|
| Alberta (lowest) | 48.0% | 5% GST only |
| British Columbia | 53.5% | 5% GST + 7% PST |
| Saskatchewan | 47.5% | 5% GST + 6% PST |
| Manitoba | 50.4% | 5% GST + 7% PST |
| Ontario | 53.53% | 13% HST |
| Quebec | 53.31% | 5% GST + 9.975% QST |
| Atlantic provinces | ~54% | 15% HST |
Capital gains rules (post-June 2024 changes)
The June 2024 federal budget changed capital gains inclusion: 50% inclusion rate up to CAD 250,000 of gains per year, then 66.67% inclusion above that. Plus the principal residence exemption fully shields your primary home gain. Lifetime Capital Gains Exemption is CAD 1,016,836 (2025) for qualifying small business / farm shares.
Calculators by Canadian province
Localized 2026 tax math + keyword-targeted pages for every CA region. Each links to: Salary Calculator, Income Tax, Mortgage.