Self-Employment Tax Calculator

Estimate your CPP contributions and income taxes.

Net Self-Employment Income — after business expenses

Province

Other Income — optional

RRSP Contributions — optional

Total Tax

Take-Home Income

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Quarterly Instalment Schedule

Mar 15, 2025

Jun 15, 2025

Sep 15, 2025

Dec 15, 2025

CPP Contributions

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Federal Income Tax

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Provincial Income Tax ({{ provName }})

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Tax Savings Opportunity

Contributing to your RRSP could reduce your tax bill. You could contribute up to {{ rrspRoomStr }} more (based on 18% of income) and potentially save {{ rrspSavingsStr }} in taxes.

How Self-Employment Tax Works in Canada

Self-employed Canadians pay CPP contributions (Canada Pension Plan) on net earnings between $3,500 and $71,300. Unlike employees, you pay both the employer and employee portions — totaling 11.9% for 2025. An enhanced CPP2 contribution of 8% applies to earnings between $71,300 and $81,200. Half of your CPP contributions are deductible when calculating income tax.

You also pay federal income tax (15%–33% depending on income) and provincial income tax (rates vary by province). Both are reduced by your Basic Personal Amount — income you earn tax-free.

RRSP contributions reduce your taxable income and can significantly lower your tax bill. Self-employed individuals may also need to make quarterly tax instalments to avoid interest charges.

Disclaimer: This calculator provides estimates for informational and educational purposes only. It is not intended as tax, legal, or financial advice. Calculations are based on 2025 federal and provincial tax rates and do not account for all tax credits, deductions, or individual circumstances. Quebec residents: Quebec administers its own pension plan (QPP) and provincial taxes separately — results shown are approximate. GST/HST: This calculator estimates income tax only. If your annual revenue exceeds $30,000, you may be required to register for and collect GST/HST. Consult a qualified accountant or tax professional for advice specific to your situation.