Home -> Calculators - > Canadian Tax Calculator 2025 and earlier years

2024 and 2025 Detailed Canadian Income Tax & RRSP Savings Calculators and prior years

Canadian Income Tax Calculator for 2024 and 2025 for all Provinces & Territories Except Quebec (QC below)

(click above link to open the calculator in a new window.)

Major calculator changes for 2024:

	alternative minimum tax changes effective January 1, 2024
	capital gains inclusion rate change effective June 25, 2024 - when legislation is passed for this change, the calculator may have to be revised.

If the calculator or the print page appears messed up after a change, clear your cached images and files. As a last resort, a reboot of your computer may be needed.

This calculator works for all provinces and territories except Quebec, and we have a separate Quebec Income Tax & RRSP Savings Calculator.

Retaining Data From the Calculators

The 2016/2017 and later Calculators will retain all of your data, on your computer, depending on your browser settings. If you are on a public computer, click reset to clear the data before you close the browser.

If you want the information to be retained, ensure that your browser is set appropriately:

	Internet Explorer ( IE) - Internet Options, Privacy, Advanced - make sure that "always allow session cookies" is checked.
	Chrome - Settings, Advanced Settings (at very bottom), Privacy and Security, Content settings, Cookies -> Allow sites to save and read cookie data. Keep local data only until you quit your browser should be turned off.
	Firefox - Options, Privacy & Security - under History where it says "Firefox will:", change to "Use custom settings for history". Then make sure that "Accept cookies from sites" is checked. Accept third-party cookies - this setting doesn't matter. Older Firefox: Keep until - this should be set to "they expire" or "ask me every time".

Features Included in the Canadian Tax and RRSP Savings Calculator

includes tax rates known as of the date shown in the calculator.

calculates taxes for both spouses

income that can be included:

	employment and self-employment income - and you can indicate whether or not this is subject to EI or CPP.
	Old Age Security (OAS)
	Canada Pension Plan (CPP)
	capital gains - before and after the June 25, 2024 inclusion rate change
	Canadian eligible and non-eligible dividends
	RRSP and RRIF withdrawals
	other income, including EI special benefits, interest, foreign dividends, some pensions, rental income, etc.
	Pension income - regular and qualified (re pension splitting and pension income tax credit)
	workers' compensation benefits
	social assistance payments
	net federal supplements (box 21 on the T4A (OAS) slip

calculates alternative minimum tax using available information, updated for 2024

shows savings from RRSP deductions, and % tax savings from RRSP deduction

can show marginal tax rate if $100 RRSP deduction amount is entered in the RRSP deduction field - for this purpose, put your actual RRSP deduction in the "Other deductions" field - the RRSP savings will be incorrect, but the RRSP tax savings % will be your marginal tax rate.

calculates CPP and EI premiums on employment and self-employment (CPP only) income

option to indicate that employment earnings are not subject to EI premiums (useful for incorporated business owners earning employment income)

option to indicate, for age 65 to 70, that you have elected to not pay further CPP contributions

calculates OAS clawback and EI clawback

allows pension splitting and calculates related pension credit - pension income is entered as either regular pension income or qualified pension income

child care costs are now entered separately from other deductions.

interest expense and other deductions (RPP, union dues, child care, employment expenses, etc) can be entered in "other deductions" line

Northern Residents Deduction

NL temporary deficit reduction levy is included - 2019 is the last year for this

transfer of disability credit from dependants

tax credits calculated:

basic personal amount, federal amount increased for 2020

spouse or common-law spouse, federal amount increased for 2020

equivalent to spouse, including dependent child or other eligible dependent, federal amount increased for 2020

Various input areas are hidden unless you indicate that they are required - dependants, caregiver amounts, pension splitting, students.

Canada caregiver credit - for 2017 & later years, replaces these 4 credits, which have been retained by some provinces & territories:

	Family caregiver amount (FCA) for infirm dependent children or spouse
	Infirm dependant amount for age 18+ - includes FCA
	Caregiver amount for parent/grandparent over 65 living with you
	Caregiver amount for infirm dependent adult relative living with you - includes FCA

BC back-to-school tax credit

SK children under 19, and for 2014 and earlier years federal child amount tax credit for children under 18

Family Tax Cut (FTC) - 2014 & 2015, eliminated for 2016

pension income tax credit explains how pension splitting can result in a pension tax credit for the spouse receiving the transferred pension

age amount - this is reduced above certain income thresholds

disability tax credit

public transit tax credit (Ontario Seniors only)

subscriptions to Canadian digital news provided by Qualified Canadian Journalism Organizations (QCJOs) - for 2020 to 2024

NL child care costs tax credit

child fitness tax credit (Federal, BC, MB, & YT) - federal and YT are refundable for 2015/2016, eliminated for 2017.

children's arts tax credit (Federal, BC, MB & YT) - eliminated for 2017

ON children's activity tax credit

SK active families benefit - eliminated for 2016 and later years

NS healthy living tax credit - not available after 2014

Home renovation tax credit - available for 2009 only

First-time homebuyers' tax credit - Federal, SK

Ontario healthy homes tax credit - refundable

Ontario Low-income Individual & Families Tax (LIFT) credit

BC seniors' home renovation tax credit - refundable

BC sales tax credit - started again in 2013 re return of PST

medical expense tax credit

donations tax credit - will alert you if your donations exceed 75% of net income, or if all donations not utilized. Revised to use the highest tax rate for tax credit to the extent that income is taxed at the highest rate.

dividend tax credits

tuition, education and textbooks, student loan interest - many tuition, education and textbook credits have been eliminated.

Political contribution tax credits - new with the 2020/2021 calculator

Canada Workers Benefit (CWB), which was previously the Working income tax benefit (WITB) - Note: you are required to indicate in the calculator if you are eligible for the CWB or WITB. If you indicate that you qualify, the calculator will determine the amount you will receive, if any, based on your income. Read the article on the WITB (above link) to determine if you qualify.

Line 10400 (line 104 prior to 2019) Other Employment Income

This income should be included with Line 10100 (line 101 prior to 2019) employment income in the calculator. However, do not include it in the insurable or pensionable income amounts below the employment income line.

Comparing Calculator Scenarios

If you want to compare different scenarios, come back to this page to open the calculator a second time (right click the link, and select open in new window), and compare them side by side.

Tax Rates

To see the current marginal tax rate tables for each province, go to the Tax Rates page.

Printing the Calculator Results

The Detailed Canadian Tax & RRSP Savings Calculator now uses a new Print feature, and the 2-page summary of results can be printed in colour. If you want to print the results in colour, it seems you'll have to use either Chrome, Firefox or Vivaldi. In Chrome or Vivaldi, once you click the Print button, choose More settings, and tick "Background graphics". The preview should change from black and white to colour. Your printer or pdf printer settings should also be set to print in colour.

We'll be adding this feature to our other calculators as time goes on.

FAQ re the Tax Calculators:

Is the "tax savings re RRSPs" the amount of the income tax refund I would get?

Answer:

The "tax savings re RRSPs" is the amount your income taxes will be reduced for that amount of RRSP contribution (make sure the contribution doesn't exceed your RRSP deduction limit - this is not checked by the calculator). Compare the total income taxes result from the calculator to what you have actually paid during the year to determine the amount of your refund.

Basic Tax Calculator

If you are looking for a more simple tax calculator, see our Basic Canadian Income Tax Calculator, where you input your income from capital gains, Canadian eligible and non-eligible dividends, and other income, in order to see the taxes payable for a single person. The Basic Tax Calculator shows the marginal tax rates for each type of income, as well as total income taxes payable for each province for a number of years.

Other topics related to the Canadian Tax Calculator:

Non-taxable amounts

Taxable Income, Net Income and Total Income

Working in another province

Check out our other calculators.

Revised: November 29, 2024

Feel free to link to our Calculators page from your website.