Your take home pay in New Brunswick, also known as your net income or after-tax salary, is the total amount you receive in your paycheck after all taxes and deductions are removed from your gross earnings.
But several key factors can affect it, including federal and provincial income tax rates based on tax brackets, tax deductions and credits you qualify for, and mandatory contributions such as CPP and EI premiums.
Learning how to calculate your net pay gives you greater visibility into your actual spendable income, enabling you to make informed financial decisions.
How to Calculate Take Home Pay in New Brunswick for 2025?
Take-home pay in NB, like all take home pay in Canada, equals your gross salary minus federal taxes, provincial taxes, CPP contributions, and EI premiums. Here is the formula to calculate your net pay in New Brunswick:
Net pay in New Brunswick = Gross income – Federal income tax – New Brunswick provincial income tax – CPP contributions – EI premiums – Other deductions
The Canada Revenue Agency provides the Payroll Deductions Online Calculator (PDOC) at canada.ca/pdoc. This tool calculates exact deductions for all common pay periods. PDOC offers more accurate calculations than manual tables, especially for unusual pay schedules.
However, manual calculations remain useful for understanding deduction components. Now, let’s look at how to determine each component that goes into this take home pay in New Brunswick.
What Factors Affect Take Home Pay in New Brunswick?
5 variables can influence your net take home pay in New Brunswick:
Gross Income
Your gross income includes all taxable income you earn in a year from your job, self-employment, investments, rental properties, and other taxable sources. This is the starting figure you will use to estimate your net take home pay.
If you change jobs or have a significant increase or decrease in income, you may move into a different tax bracket, which impacts your marginal rate and net amount.
Federal and Provincial Income Tax
Both the federal and New Brunswick provincial governments levy income tax based on your taxable income, which is your gross income minus eligible deductions, credits, and expenses. The amount depends on the tax bracket your income places you in.
Under Canada’s progressive tax system, higher-earning individuals move into higher tax brackets, where a greater proportion of their income goes towards taxes.
For 2025, the federal tax brackets and corresponding rates are:
| Taxable Income | 2025 Federal Tax Rate |
| Up to $57,375 | 15% |
| $57,375 to $114,750 | 20.5% |
| $114,750 to $177,882 | 26% |
| $177,882 to $253,414 | 29% |
| Over $253,414 | 33% |
In addition to federal tax, the New Brunswick provincial income tax also uses the following graduated bracket structure:
| Taxable Income 2025 | Provincial Tax Rate |
| Up to $51,306 | 9.40% |
| $51,306 to $102,614 | 14.00% |
| $102,614 to $190,060 | 16.00% |
| Over $190,060 | 19.5% |
As your taxable income rises, your net take home percentage declines. However, strategic tax planning can help offset higher rates.
CPP Contribution Rates and Maximums
The Canada Pension Plan (CPP) is a public pension system that New Brunswick employees and employers must contribute to. The federal government sets the CPP contribution amounts each year.
For 2025, the CPP contribution rates and limits are as follows (Source):
- Maximum pensionable earnings: $71,300
- Basic exemption amount: $3,500
- Maximum contributory earnings: $67,800
- Employee/employer contribution rate: 5.95%
- Maximum employee/employer contribution: $4,034.10
- Maximum self-employed contribution: $8,068.20
Since CPP contributions are based on your income level, they make up a larger deduction from your gross pay as your earnings rise.
EI Premium Rates and Maximums
Employment Insurance (EI) provides temporary financial assistance to eligible workers. EI is funded through premiums paid by employees and employers based on annual rates.
For 2025, the EI premium rates and maximums are as follows (Source):
- Maximum annual insurable earnings: $65,700
- Premium rate: 1.64%
- Maximum annual employee premium: $1,077.48
- Maximum annual employer premium: $1,508.47
While EI premiums remain at a maximum of $1,077.48 annually regardless of income, they still incrementally reduce net income in New Brunswick. However, future EI benefits can make up for these premium costs.
Other Deductions
In addition to statutory deductions like income tax, CPP, and EI, you may have other deductions taken off your pay, such as:
- Health insurance premiums
- Disability insurance
- Union dues
- RRSP contributions
- Wage garnishments
Besides, low-income earners may qualify for the New Brunswick Low-Income Tax Reduction. This program reduces provincial taxes for eligible residents based on income thresholds and family composition.
These amounts are deducted after income tax, reducing your net take-home pay. Maximizing eligible deductions and credits will boost your net income. Even small changes can make a difference over an entire year.
Examples and Scenarios for Net Income in New Brunswick in 2025
Let’s look at a few scenarios to see how income levels, deductions, credits, and rate changes impact take home pay calculations for 2025 in New Brunswick.
Take Home Pay Calculation for a $65,000 Gross Salary
For an individual with an annual gross salary of $65,000:
| Gross pay | $65,000 |
| Estimated Federal Tax 15% on the first $57,375 20.5% on income over $57,375 | $9,200.70 |
| Estimated Provincial Tax 9.4% on the first $51,306 14.0% on income over $51,306 | $6,078.39 |
| CPP Contributions (5.95%) | $3,659.25 |
| EI Premiums (1.64%) | $1,066.00 |
| Total Deductions | $15,229.39 |
| Take Home Pay | $49,770.61 |
Learn how to estimate your potential net take home pay in different Canadian provinces based on your gross salary, tax brackets, and deductions.
- Take Home Pay in Alberta
- Take Home Pay in British Columbia
- Take Home Pay in Ontario
- Take Home Pay in Manitoba
- Take Home Pay in Quebec
- Take Home Pay in Nova Scotia
- Take Home Pay in Saskatchewan
Impact of Claiming the Basic Personal Amount
No credits claimed
- Gross salary: $65,000
- Total deductions (per calculator): $15,229.39
- Take home pay: $49,770.61
With a basic personal amount of credit
- Gross salary: $65,000
- Total deductions (per calculator): $19,177
- Take home pay: $50,270.61
Take home pay increased by $500 by claiming the basic personal amount.
Impact of Family Situation on Take Home Pay
Your family situation impacts required take home income to cover expenses. For a gross salary of $90,000:
Scenario 1: Single, no dependents
For a single individual, the calculation is based solely on their own income and standard credits.
- Estimated federal tax: $10,989.41
- Estimated provincial tax: $7,794.38
- Estimated CPP/EI Contributions: $5,311.58
- Total Deductions: $24,095.37
- Take home pay: $65,904.63
Scenario 2: Married, 3 dependents (Spouse has no income)
In this scenario, the earner can claim the full Spousal Amount, which is equal to the Basic Personal Amount, significantly reducing their tax bill.
- Estimated federal tax: $8,570.06
- Estimated provincial tax: $6,591.74
- Estimated CPP/EI: $5,311.58
- Total Deductions: $20,473.38
- Take home pay: $69,526.62
Even at the same income, take home pay varies based on marital status, dependents, and family benefits/credits claimed.
The bottom line
Take home pay in New Brunswick depends on federal and provincial taxes, CPP contributions, and EI premiums applied to your gross salary. For 2025, maximizing available tax credits and understanding the new contribution limits can improve your financial plan. So, employees should also consider consulting a tax professional to implement the most effective tax strategies.
FAQs related to take home pay in New Brunswick
How can I reduce my taxes and increase net pay in New Brunswick?
You can reduce taxes and increase net pay by claiming deductions like RRSP contributions, child care expenses, moving expenses, medical expenses, union dues, and other eligible tax credits.
When are personal income taxes due in New Brunswick?
Personal income taxes are due on April 30 each year in New Brunswick. Self-employed individuals have until June 15 to file their taxes.
What records should I keep for income tax filing in New Brunswick?
You should keep all tax records and supporting documents for at least 6 years. This includes pay stubs, bank statements, receipts, and any other documents related to income, deductions, or credits claimed.
How long does it take to get a tax refund in New Brunswick?
If you file online, most tax refunds are issued within 2 weeks. Paper tax returns can take 4-8 weeks to process before receiving a refund.
Can I get help calculating my take home pay and filing taxes in New Brunswick?
Yes, you can get help from an accountant or tax professional to ensure you maximize deductions and accurately file your taxes. The CRA also has tools to help estimate take home pay.
