takehome.tax

Canada · Alberta · 2025

Alberta income tax calculator

Alberta is pre-selected below; you can switch provinces anytime. Year-end CPP (incl. CPP2) on pensionable employment (including RSU value), EI on salary and cash bonus only, plus federal and Alberta provincial tax (BPA credits; simplified rules — not a full T1). RSU CPP is incremental vs salary + bonus; bonus and RSU tax use withholding proxies.

Where you're taxed · Scenario 1

Pick your country and province or territory. All Canadian jurisdictions use the same engine (simplified provincial rules); U.S. states are listed for later.

Jurisdiction

Inputs · Scenario 1

$
$
$
$
%

Annual (true year-end picture)

+$145,999

After CPP, CPP2, EI (insurable pay), and income tax

Employment income

+$215,000

Income tax (federal + AB)

($63,494)

CPP + CPP2

($4,430)

EI (salary + bonus)

($1,077)

Regular paycheque

+$4,122

Bonus cheque (est.)

+$15,546

RSU vesting value (est.)

+$20,800

Tax trace (Alberta)

+ increases tax payable, - reduces tax payable.

Provincial basic tax

($21,771)

Provincial surtax

$0

Provincial health premium

$0

Provincial non-refundable credits

+$2,141

Alberta AB428 line 61545 supplemental credit uses BPA + employment + CPP/EI credit bases; add other eligible amounts via provincial filing options.

Federal

Federal schedule on pension-adjusted taxable income.

Taxable income for these bands: $213,926

How income fills each bracket

  • $0 – $57,375 · marginal 14.5%$57,375 · $8,319 at this margin

    This bracket is full — income extends into the next band.

  • $57,375 – $114,750 · marginal 20.5%$57,375 · $11,762 at this margin

    This bracket is full — income extends into the next band.

  • $114,750 – $177,882 · marginal 26%$63,132 · $16,414 at this margin

    This bracket is full — income extends into the next band.

  • $177,882 – $253,414 · marginal 29%$36,044 · $10,453 at this margin

    Part of this bracket is used; lower bands were filled first.

Provincial (Alberta)

Provincial schedule for Alberta on the same taxable income as federal.

Taxable income for these bands: $213,926

How income fills each bracket

  • $0 – $60,000 · marginal 8%$60,000 · $4,800 at this margin

    This bracket is full — income extends into the next band.

  • $60,000 – $151,234 · marginal 10%$91,234 · $9,123 at this margin

    This bracket is full — income extends into the next band.

  • $151,234 – $181,481 · marginal 12%$30,247 · $3,630 at this margin

    This bracket is full — income extends into the next band.

  • $181,481 – $241,974 · marginal 13%$32,445 · $4,218 at this margin

    Part of this bracket is used; lower bands were filled first.

Paycheque progression (salary only)

CPP stops after pay 15 · EI stops after pay 12.

+$4,104

Jan

CPP
($135)
EI
($95)
+$4,063

Jun

CPP
($271)
EI
($0)
+$4,334

Dec

CPP
($0)
EI
($0)

True tax vs withheld · filing season

True income tax (all T4 income)

$63,494

Est. Tax withheld

$65,978

Likely refund +$2,484

True tax is year-end liability including your payroll RRSP deduction (line 20800–style). Employer RRSP deposits are not added separately—common payroll nets the taxable benefit with an offsetting RRSP deduction on the same stub. Estimated withheld uses salary+bonus tax without that RRSP reduction—so payroll RRSP is a common refund driver when withholding lags the deduction—plus the CRA bonus step-up and RSU marginal proxy. The gap is the filing-season adjustment (refund if negative). Positive "owing" means estimated withholding is still below modelled year-end tax (possible balance due at filing).

Breakdown

Green + = inflow, red ( ) = deductions / tax to CRA, sky = employer RRSP estimate (informational).

  • Employment income (salary + bonus + RSU)+$215,000
  • CPP (employee)First component to YMPE($4,034)
  • CPP2 (employee)Between YMPE and YAMPE($396)
  • EI (employee)Insurable: salary + bonus only($1,077)
  • Federal income tax (after abatement & credits)($43,864)
  • Provincial income tax (after credits)Includes AB428 supplemental tax credit (line 61545) if applicable($19,630)
  • Provincial health premiumOntario Health Premium only; other provinces $0 here($0)
  • Total income tax($63,494)
  • Net (annual, all in)+$145,999

Estimates only, not tax advice. Brackets and credits are simplified; verify against CRA payroll tables, your TD1, and your T4 before filing.