{"id":15630,"date":"2026-02-19T14:29:45","date_gmt":"2026-02-19T14:29:45","guid":{"rendered":"https:\/\/wp.springfinancial.ca\/?p=4322"},"modified":"2026-02-19T14:29:47","modified_gmt":"2026-02-19T14:29:47","slug":"marginal-vs-average-tax-rate","status":"publish","type":"post","link":"https:\/\/springfinancial.ca\/fr\/blog\/tax-tips\/marginal-vs-average-tax-rate\/","title":{"rendered":"Important Differences Between Marginal vs. Average Tax Rate in Canada"},"content":{"rendered":"\n

You\u2019ll notice that when you get your marginal tax rate and average tax rate, they are unique to you. This is because everyone\u2019s annual income is different. It\u2019s also because Canada has a progressive tax system, meaning the more you make, the more tax you pay. This means that the taxes the Canadian government collects from each individual are tailored to their income.<\/p>\n\n\n\n

How Marginal Tax Rates Work<\/strong><\/h2>\n\n\n\n

In Canada, there are marginal tax rates that are based on annual taxable income. These rates are put into place for each additional dollar of income above the previous Canadian tax brackets, up until your last dollar of income. You start with the basic tax rate for income up to $58,523, and every amount above that is subject to an increased marginal rate based on the income thresholds. In total, there are seven tax brackets.<\/p>\n\n\n\n

As your income increases, you could end up paying more than one marginal rate. However, if your income falls, you\u2019ll only reduce your tax rate if you fall under the marginal rate with your total income. Otherwise, the same marginal tax rate applies.<\/p>\n\n\n\n

Let\u2019s take a look at those different rates from the Canadian government, including the lowest tax brackets and the highest tax brackets. <\/p>\n\n\n\n

Taxable Income Amounts<\/td>Federal Marginal Tax Rates<\/td><\/tr>
$0 \u2013 $58,523<\/td>14%<\/td><\/tr>
$58,523 \u2013 $117,045<\/td>20.50%<\/td><\/tr>
$117,045- $181,440<\/td>26.00%<\/td><\/tr>
$181,440 \u2013 $258,482<\/td>29.32%<\/td><\/tr>
Over $258,482<\/td>33%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

It\u2019s important to understand that with these marginal rates, you don\u2019t pay the higher tax bracket amount for all of your income, just on the amount for the new marginal tax rate. Let\u2019s take a look at how this would work based on your annual income. <\/p>\n\n\n\n

For example, if your entire income is $80,000, the effective tax rate on the first $58,523 is 14%. On amounts from $58,523 to $80,000, then you pay the marginal rate of 20.50% since you’re in the second tax bracket. This is the same process that works for all income amounts. If you made more than $117,045, then any higher amounts would be taxed based on the next income bracket instead of the previous bracket. <\/p>\n\n\n\n

Average Tax Rates and How They Work<\/strong><\/h2>\n\n\n\n

Average tax rates for Canadians are different from marginal rates. Your average tax rate measures the total amount of tax divided by the total taxable income. This number is then the percentage of tax you paid for the year, which is your average tax rate.<\/p>\n\n\n\n

It\u2019s important to remember that the average tax rate isn\u2019t just based on your annual working income. It also includes any additional income you\u2019ve earned for the year. This means that withholding taxes, capital gains taxes, and dividend taxes are included in this average tax rate. <\/p>\n\n\n\n

Tax Rate Formulas<\/strong><\/h2>\n\n\n\n

When you\u2019re calculating marginal and average tax rates, there are formulas you can use to find this. That said, in order to calculate, you\u2019re going to know what the taxpayer\u2019s taxable income is. You\u2019ll also need to know what taxes were paid on the annual income. <\/p>\n\n\n\n

Marginal Rate Formulas<\/strong><\/h3>\n\n\n\n

When it comes to calculating a taxpayer\u2019s marginal rate, there\u2019s no specific formula. However, you are able to calculate it based on the total annual income. From there, you can determine which marginal tax rates will have to be paid and calculate the actual tax burden for each rate. <\/p>\n\n\n\n

Average Rate Formulas<\/strong><\/h3>\n\n\n\n

Calculating a taxpayer\u2019s average tax rate is actually very simple. Essentially, you take the taxes paid for the year and divide them by the total income earned for the year. The number you get is the percentage of income that is paid in taxes. Here\u2019s an example.<\/p>\n\n\n\n

Let\u2019s say your total income was $60,000, and your total taxes paid were $15,000. In this case, your average tax rate is 25%. <\/p>\n\n\n\n

Provincial Tax Rates<\/strong><\/h2>\n\n\n\n

Above, we\u2019ve shown you the marginal tax rates at the federal level. That said, these are the federal tax brackets implemented by the federal government and are a part of the federal income tax system. On top of that, you also need to pay a provincial tax rate. Provincial rates are also a tiered system, but every province has their own rates. <\/p>\n\n\n\n

Provincial Rates<\/strong><\/h3>\n\n\n\n

In Canada, on top of your federal taxes, you also have to pay provincial and territorial taxes. These income taxes are based on your income as well. However, the margins are different based on the province that you live in. Here are the current provincial and territorial tax brackets.<\/p>\n\n\n\n

Provinces\/Territories<\/td>Tax Rates<\/td><\/tr>
British Columbia<\/a><\/td>5.06% on amounts from $0 \u2013 $50,363
7.7% on $50,363- $100,728
10.5% on $100,728 \u2013 $115,648
12.29% on $115,648- $140,430
14.7% on $140,430 \u2013 $190,405
16.8% on $190,405 \u2013 $265,545
20.5% on $265,545 and over<\/td><\/tr>
Alberta<\/a><\/td>8% on the first $61,200
10% over $61,200 up to $154,259
12% over $154,259 up to $185,111
13% over $185,111 up to $246,813
14% over $246,813 up to $370,220
15% over $370,220<\/td><\/tr>
Saskatchewan<\/td>10.5% first $54,532
12.5% over $54,532 up to $155,805
14.5% over $155,805<\/td><\/tr>
Manitoba<\/td>10.8% first $47,000
12.75% over $47,000 up to $100,000
17.4% over $100,000<\/td><\/tr>
Newfoundland and Labrador<\/td>8.7% first $44,678
14.5% over $44,678 up to $89,354
15.8% over $89,354 up to $159,528
17.8% over $159,528 up to $223,340
19.8% over $223,340 up to $285,319
20.8% over $285,319 up to $570,638
21.3% over $570,638 up to $1,141,27
21.8% over $1,141,275<\/td><\/tr>
Nova Scotia<\/td>8.79% on the first $30,995
14.95% over $30,995 up to $61,991
16.67% over $61,991 up to $97,417
17.5% over $97,417 up to $157,124
21% over $157,124<\/td><\/tr>
Prince Edward Island<\/td>9.5%% on the first $33,928
13.47% over $33,928 up to $65,820
16.60% over $65,820 up to $106,890
17.62% over $106,890 up to $142,250
19% over $142,250<\/td><\/tr>
Ontario<\/td>5.05% on the first $53,89
19.15% over $53,891 up to $107,785
11.16% over $107,785 up to $150,000
12.16% over $150,000 up to $220,000
13.16% over $220,000<\/td><\/tr>
Quebec<\/td>14% on the first $54,345
19% over $54,345 up to $108,680
24% over $54,345 up to $108,680
25.75% on amounts over $132,245<\/td><\/tr>
New Brunswick<\/td>9.4% on the first $52,333
14.0% over $52,333 up to $104,666
16% over $104,666 up to $193,861
19.5% on amounts over $193,861<\/td><\/tr>
Northwest Territories<\/td>5.9% on the first $53,003
8.6% over $53,003 up to $106,009
12.2% over $106,009 up to $172,346
14.05% on amounts over $172,346<\/td><\/tr>
Yukon<\/td>6.4% on the first $58,5239% over $58,523 up to $117,04510.9% over $117,045 up to $181,44012.93% over $181,440 up to $258,48212.80% over $258,482 up to $500,00015% on amounts over $500,000<\/td><\/tr>
Nunavut<\/td>4% on the first $55,801
7% over $55,801 up to $111,602
9% over $111,602 up to $181,439
11.5% on amounts over $181,439<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/a><\/p>\n\n\n\n

 <\/p>\n\n\n\n

Combined Provincial and Marginal Rates<\/strong><\/h3>\n\n\n\n

Now that we know both the provincial and federal tax rates, you\u2019ll see that the different margins aren\u2019t the same for each province. This means that each province has different combined rates. Let\u2019s take a look at those combined federal and provincial tax rates<\/a>. <\/p>\n\n\n\n

Provinces\/Territories<\/td>Combined Tax Rates<\/td><\/tr>
British Columbia<\/td>$0 \u2013 $$50,363 \u2013 19.06%
$50,363 \u2013 $58,523 \u2013 21.7%
$58,523 \u2013 $100,728 \u2013 28.2%
$100,728 \u2013\u00a0 $115,648 \u2013 31%
$115,648 \u2013 $117,045 \u2013 32.79%
$117,045 \u2013 $140,430\u2013 38,29%
$140,430 \u2013 $181,440 \u2013 40.70%
$181,440- $190,405 \u2013 43.99%
$190,405 \u2013 $258,482 \u2013 46.09%
$258,482 \u2013 $265,545- 49.8%
$265,545 and up \u2013 53.5%<\/td><\/tr>
Alberta<\/td>first $58,523 -22.00%
over $58,523 up to $61,200 -28.50%
over $61,200 up to $117,045 -30.50%
over $117,045 up to $154,259 -36.00%
over $154,259 up to $181,440 -38.00%
over $181,440 up to $185,111 -41.29%
over $185,111 up to $246,813 -42.29%
over $246,813 up to $258,482 -43.29%
over $258,482 up to $370,220 -47.00%
over $370,220 -48.00%<\/td><\/tr>
Saskatchewan<\/td>first $54,532 -24.50%
over $54,532 up to $58,523 -26.50%
over $58,523 up to $117,045 -33.00%
over $117,045 up to $155,805 -38.50%
over $155,805 up to $181,440 -40.50%
over $181,440 up to $258,482 -43.79%
over $258,482 -47.50%<\/td><\/tr>
Manitoba<\/td>first $47,000 -24.80%
over $47,000 up to $58,523 -26.75%
over $58,523 up to $100,000 -33.25%
over $100,000 up to $117,045 -37.90%
over $117,045 up to $181,440 -43.40%
over $181,440 up to $200,000 -46.69%
over $200,000 up to $258,482 -47.54%
over $258,482 up to $400,000 -51.25%
over $400,000 -50.40%<\/td><\/tr>
Ontario<\/td>first $53,891-19.05%
over $53,891 up to $58,523 -23.15%
over $58,523 up to $94,907 -29.65%
over $94,907 up to $107,785 -31.48%
over $107,785 up to $111,814 -33.89%
over $111,814 up to $117,045 -37.91%
over $117,045 up to $150,000 -43.41%
over $150,000 up to $181,440 -44.97%
over $181,440 up to $220,000 -48.26%
over $220,000 up to $258,482 -49.82%
over $258,482 -53.53%<\/td><\/tr>
Nova Scotia<\/td>first $30,995 -22.79%
over $30,995 up to $58,523 -28.95%
over $58,523 up to $61,991 -35.45%
over $61,991 up to $97,417 -37.17%
over $97,417 up to $117,045 -38.00%
over $117,045 up to $157,124 -43.50%
over $157,124 up to $181,440 -47.00%
over $181,440 up to $258,482 -50.29%
over $258,482 -54.00%<\/td><\/tr>
New Brunswick<\/td>first $52,333 -23.40%
over $52,333 up to $58,523 -28.00%
over $58,523 up to $104,666 -34.50%
over $104,666 up to $117,045 -36.50%
over $117,045 up to $181,440 -42.00%
over $181,440 up to $193,861 -45.29%
over $193,861 up to $258,482 -48.79%
over $258,482 -52.50%<\/td><\/tr>
Newfoundland and Labrador<\/td>first $44,678 -22.70%
over $44,678 up to $58,523 -28.50%
over $58,523 up to $89,354 -35.00%
over $89,354 up to $117,045 -36.30%
over $117,045 up to $159,528 -41.80%
over $159,528 up to $181,440 -43.80%
over $181,440 up to $223,340- 47.09%
over $223,340 up to $258,482 -49.09%
over $258,482 up to $285,319 -52.80%
over $285,319 up to $570,638 -53.80%
over $570,638 up to $1,141,275 -54.30%
over $1,141,275 -54.80%<\/td><\/tr>
Quebec<\/td>first $54,345 -25.69%
over $54,345 up to $58,523 -30.69%
over $58,523 up to $108,680 -36.12%
over $108,680 up to $117,045 -41.12%
over $117,045 up to $132,245 -45.71%
over $132,245 up to $181,440 -47.46%
over $181,440 up to $258,482 -50.21%
over $258,482 -53.31%<\/td><\/tr>
Prince Edward Island<\/td>first $33,928 -23.50%
over $33,928 up to $58,523 -27.47%
over $58,523 up to $65,820 -33.97%
over $65,820 up to $106,890 -37.10%
over $106,890 up to $117,045 -38.12%
over $117,045 up to $142,250 -43.62%
over $142,250 up to $181,440 -45.00%
over $181,440 up to $258,482 -48.29%
over $258,482 -52.00%<\/td><\/tr>
Northwest Territories<\/td>first $53,003 -19.90%
over $53,003 up to $58,523 -22.60%
over $58,523 up to $106,009 -29.10%
over $106,009 up to $117,045 -32.70%
over $117,045 up to $172,346 -38.20%
over $172,346 up to $181,440 -40.05%
over $181,440 up to $258,482 -43.34%
over $258,482 -47.05%<\/td><\/tr>
Nunavut<\/td>first $55,801 -18.00%
over $55,801 up to $58,523 -21.00%
over $58,523 up to $111,602 -27.50%
over $111,602 up to $117,045 -29.50%
over $117,045 up to $181,439 -35.00%
over $181,439 up to $258,482 -40.79%
over $258,482 -44.50%<\/td><\/tr>
Yukon<\/td>first $58,523 -20.40%
over $58,523 up to $117,045 -29.50%
over $117,045 up to $181,440 -36.90%
over $181,440 up to $258,482 -42.22%
over $258,482 up to $500,000 -45.80%
over $500,000 \u2013 48.00%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Saving on Taxes<\/strong><\/h2>\n\n\n\n

When you file your annual income taxes for the tax year, you\u2019ll get a total of your gross income as well as your net income. Your net income is your total income after you pay taxes. If you\u2019re employed, you\u2019ve already paid these taxes, but that doesn\u2019t mean that you can\u2019t save more tax and reduce your tax liability. <\/p>\n\n\n\n

Whether you do your own income taxes or have them done by a tax professional, there are tax credits as well as tax deductions you can claim. These tax credits reduce your tax paid and increase your tax savings. Since you\u2019ve most likely already paid the tax, though, you\u2019ll receive a tax refund. <\/p>\n\n\n\n

Tax Strategies to Lower Marginal Tax Rates<\/h2>\n\n\n\n

There are a few different ways that you can lower your marginal tax rate in Canada. Keep in mind that this works for both federal income tax rates as well as provincial. <\/p>\n\n\n\n

    \n
  1. RRSP Contributions:<\/strong> Since RRSP tax contributions are tax deferred, the amount you invest into them annually will be deducted from your taxable income.\u00a0<\/li>\n\n\n\n
  2. Income Splitting:<\/strong> Many use spousal RRSPs as tax deductions to reduce their annual income, while some retirees choose to income split, which can create their own tax brackets for each person and reduce taxes payable.\u00a0<\/li>\n\n\n\n
  3. Tax-Free Savings Accounts:<\/strong> These can be used to grow your investments and ensure that there are no taxes on any of your withdrawals.\u00a0<\/li>\n\n\n\n
  4. Income Deferring:<\/strong> If you\u2019re expecting a lower income for your next tax year, you can defer any bonuses you have or realized capital gains until that time.\u00a0<\/li>\n<\/ol>\n\n\n\n

    These few strategies can reduce both your federal and provincial taxes and even potentially take you out of the highest marginal tax rate and put you in a completely different income bracket. Using these few strategies can also really benefit you if you invest all of the money you save to fast-track your financial goals. <\/p>\n\n\n\n

    On top of these tax strategies, you can also deduct any eligible expenses, such as medical expenses, dental expenses, or anything else you may qualify for.<\/p>\n\n\n\n

    Final Thoughts<\/strong><\/h2>\n\n\n\n

    When it comes to how much tax you pay, it\u2019s important to keep in mind that the amount will change based on where you live, as well as your personal financial situation. Your federal marginal tax rate through the Canada Revenue Agency will stay the same, but the provincial rates will change. Once you know these rates and your annual income, you\u2019ll be able to calculate your marginal tax rate as well as your average tax rate. e through the Canada Revenue Agency will stay the same, but the provincial rates will change. Once you know these rates and your annual income, you\u2019ll be able to calculate your marginal tax rate as well as your average tax rate.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

    When it comes to filing your taxes during tax season in Canada, you\u2019ll notice that there\u2019s a marginal tax rate imposed that is used to calculate the amount of tax you pay. There\u2019s also an average federal tax rate, which is the percentage of total tax you pay on your annual taxable income. While both of these rates are different, they\u2019re equally important.<\/p>\n","protected":false},"author":23,"featured_media":12432,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[58],"tags":[],"class_list":["post-15630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax-tips"],"acf":[],"yoast_head":"\nImportant Differences Between Marginal vs. Average Tax Rate in Canada - Spring Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/springfinancial.ca\/blog\/tax-tips\/marginal-vs-average-tax-rate\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Important Differences Between Marginal vs. Average Tax Rate in Canada - Spring Financial\" \/>\n<meta property=\"og:description\" content=\"When it comes to filing your taxes during tax season in Canada, you\u2019ll notice that there\u2019s a marginal tax rate imposed that is used to calculate the amount of tax you pay. 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