Canada Income & Tax Planner (2025)

🧩 Module 1: Income (incl. benefits)

Pay input method

Hourly Annual

Hourly($/h)

Hours per week

Weeks per year

Paid vacation (weeks)

Work weeks are actual working weeks; paid vacation is added on top. A warning appears if total weeks exceed 52.

Vacation Pay(%)

Vacation pay is taxable (per CRA).

Bonus Allowance Commission

RRSP Contribution Stock (taxable) Other (taxable)

RRSP is a deduction (not part of gross pay) and reduces taxable income (auto-checked against 2025 limits). Stock/Other are treated as taxable income (dividend/capital gains rules not detailed here).

I'm self-employed Self-employed pay both the employee and employer shares (CPP/QPP doubled); EI not applicable by default.

Optional: for part-time/extra income

Total annual income (incl. benefits)

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Monthly gross

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Weekly gross

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🧩 Module 2: Taxes (2025 latest rates)

Province/Territory

Federal tax

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Provincial/Territorial tax

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CPP / QPP

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EI

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Total tax

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After-tax income (annual)

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Average tax rate

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Includes Ontario surtax and Quebec federal tax abatement (16.5%); CPP/QPP and EI computed separately (2025 rules); credits are not included.

By tax bands: green = take-home for that segment; red = taxes for that segment

🧩 Module 3: Expenses & leftover analysis

Mortgage/Rent (monthly) Auto Insurance (monthly) Commuting (monthly) Internet/Phone (monthly) Groceries (monthly) Insurance/Loans (monthly)

Monthly after-tax income

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Monthly expenses

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Monthly leftover

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Leftover share

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Weekly leftover

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Leftover vs Expenses(monthlyAfter-taxas base)

Monthly expense breakdown