New Brunswick Paycheck Tax Calculator 2024 & 2025
New Brunswick uses a progressive provincial income tax system with brackets starting at 14.82% and reaching 19.5% for the highest earners. The provincial Basic Personal Amount is $12,458, which generates a non-refundable tax credit reducing the tax you owe. On top of provincial tax, New Brunswick workers also pay federal income tax (15%–33%), CPP contributions (5.95% up to YMPE), and EI premiums (1.64% up to MIE). Pre-tax deductions such as RRSP contributions, group benefits, and pension contributions can reduce your taxable income. Use the calculator above to calculate your exact New Brunswick take-home pay for 2025 or 2026.
Pre-Tax Deductions
Post-Tax Deductions
Additional Withholding
How New Brunswick paycheck taxes work
Every New Brunswick paycheck is subject to four main deductions: federal income tax, CPP (Canada Pension Plan), EI (Employment Insurance), and New Brunswick provincial income tax.
Federal income tax uses progressive brackets from 15% to 33% in 2025. The federal Basic Personal Amount of $16,129 (2025) generates a 15% non-refundable credit reducing your federal tax owing.
CPP contributions are 5.95% on earnings between $3,500 and $71,300 (2025 YMPE). CPP2 applies at 4% on earnings between $71,300 and $81,900 (YAMPE). EI premiums are 1.64% on insurable earnings up to $65,700.
New Brunswick provincial income tax uses brackets starting at 14.82% and reaching 19.5% at the top. The provincial Basic Personal Amount of $12,458 generates a 14.82% non-refundable credit.
Pre-tax deductions — including RRSP contributions, group health benefits, and employer pension contributions — reduce your taxable income for both federal and provincial purposes, shrinking every bracket calculation simultaneously.
New Brunswick provincial income tax brackets 2025
| Taxable Income | Provincial Rate |
|---|---|
| $0 – $47,715 | 14.82% |
| $47,715 – $95,431 | 16.52% |
| $95,431 – $176,756 | 19.5% |
| $176,756+ | 19.5% |
New Brunswick Basic Personal Amount: $12,458 — generates a non-refundable credit that reduces your provincial tax owing.
How to use this calculator
- Enter your gross salary as an annual amount or per paycheck.
- Select your pay frequency (weekly, bi-weekly, semi-monthly, monthly, or annually).
- Confirm Canada is selected and New Brunswick appears in the province dropdown.
- Add pre-tax deductions (RRSP, group benefits, pension) to lower your taxable income.
- Toggle between 2025 and 2026 to compare how tax changes affect your take-home pay.
- View your take-home pay, effective tax rates, and full annual breakdown in the result panel.
New Brunswick Paycheck Tax FAQ
What is the provincial income tax rate in New Brunswick?
New Brunswick uses progressive provincial income tax brackets. The lowest rate is 14.82% and the top rate is 19.5%. The provincial Basic Personal Amount of $12,458 generates a non-refundable credit that reduces your tax owing. Use the calculator above to see your specific provincial tax amount.
How is CPP calculated in New Brunswick?
Workers in New Brunswick pay CPP at 5.95% on pensionable earnings between $3,500 and $71,300 (2025 YMPE). A secondary CPP2 rate of 4% applies on earnings from $71,300 to $81,900. The maximum annual employee CPP contribution is approximately $4,034 for 2025.
Do RRSP contributions reduce taxes in New Brunswick?
Yes. RRSP contributions reduce both your federal and New Brunswick provincial taxable income dollar-for-dollar. The more you contribute, the lower your effective tax rate. The 2025 RRSP limit is 18% of your 2024 earned income, up to $32,490. Enter your RRSP amount in the Pre-Tax Deductions section above to see the impact.
What is the effective tax rate on an $80,000 salary in New Brunswick?
On an $80,000 annual salary in New Brunswick with no additional deductions, the combined effective rate (federal + provincial + CPP + EI) typically falls between 25% and 35%. Use the calculator for the exact figure based on your pay frequency and deductions.
How do I calculate my biweekly take-home pay in New Brunswick?
Divide your annual salary by 26 to get your gross biweekly pay, then subtract federal income tax, CPP, EI, and New Brunswick provincial income tax for each pay period. The calculator above does all of this automatically — enter your annual salary, select "Bi-weekly" as your pay frequency, and the result panel shows your exact biweekly take-home amount.
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