Enter what you earned and what was taken from your paycheques. We'll estimate if CRA owes you — or you owe them.
2025 CRA Brackets
All 13 Provinces
Quebec QPP/QPIP
Correct Refund Math
Free PDF
Your 2025 Tax Information
Which province do you live in?
💰 What You Earned in 2025
Employment Income i
$
Enter your gross salary — the full amount before tax was taken off. Find it on your T4 (Box 14) or your last pay stub of the year.
Other Income ioptional
$
RRSP Contributions ioptional
$
Every $1,000 in RRSP saves you money at your marginal tax rate. Leave 0 if you didn't contribute.
💳 What Was Deducted From Your Paycheques
💡 Where to find these: Check your last pay stub of the year, or add up all your pay stubs. Your T4 slip also shows annual totals. These numbers determine your refund or balance owing.
Income Tax Withheld i
$
This is the income tax column — not CPP or EI. Box 22 on your T4.
CPP Contributions Paid i
$
Box 16 on your T4. Maximum in 2025 is $3,867.50. Note: CPP is not part of your tax refund.
EI Premiums Paid i
$
Box 18 on your T4. Maximum in 2025 is $1,049.12. Note: EI is not part of your tax refund.
👤 A Bit About You
Marital Status
Age Group
Dependent Children i
Children under age 6 (higher CCB rate)
🎓 I was a student in 2025
Total Tuition Paid 2025 i
$
From your T2202 from your school. A $10,000 tuition bill gives ~$1,500–$2,000 in tax credits.
🍁 You may qualify for the Ontario Trillium Benefit. Enter your rent or property tax paid to get your full estimate. Without this, we can only show part of the benefit.
🍁 Ontario Trillium Benefit
Total Rent Paid in 2025 leave 0 if you own
$
Property Tax Paid in 2025 leave 0 if you rent
$
⚠️ For planning only. Not tax advice. Always verify with CRA or a licensed tax professional before filing.
Your Tax EstimateReady
🧾
Enter your income details
Fill in your income and what was deducted from your paycheques. We'll estimate your refund or balance owing in seconds.
Estimated Refund
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📌 Note: Your refund is based on income tax only. CPP and EI deductions shown below are not refundable — they go toward your pension and employment insurance.
Where Your Deductions Go
Your Income
Total Income Earned—
RRSP Deduction—
Taxable Income—
Income Tax Calculated
Federal Income Tax—
Provincial Income Tax—
Tuition Tax Credit—
Total Income Tax Owed—
Payroll Deductions (not part of refund)
CPP Contributions—
EI Premiums—
CPP builds your pension. EI protects you if you lose your job. Neither is refunded through your tax return.
Refund Calculation (Income Tax Only)
Income Tax Withheld by Employer—
Income Tax Actually Owed—
Estimated Refund—
Your Take-Home
Annual Net Income—
Monthly Take-Home—
Effective Rate i—
Marginal Rate i—
🎁 Government Benefits You May Qualify For
GST/HST Credit—
Ontario Trillium Benefit—
🍁 You may also qualify for the Ontario energy credit. Enter your rent or property tax above to calculate it.
Canada Child Benefit—
Total Annual Benefits—
⚠️ Important: Estimate for planning only. Not tax advice. Your actual refund depends on your complete T4 slips, all credits, and CRA's assessment. Always verify with NETFILE software or a licensed tax professional before filing. CanadaCalc accepts no liability for decisions made based on these estimates.