Rental Property Tax Calculator 2025

Calculate the tax on your rental property income and see your after-tax cash flow.

Property Information

Property Value (Optional)

For ROI calculation

Land Value (Optional)

For CCA calculation

Monthly Rent

Vacancy Rate (%)

Annual Expenses

Mortgage Interest

Interest only, not principal

Property Tax

Insurance

Utilities (if paid by owner)

Maintenance & Repairs

Property Management

Other Expenses

Tax Information

Your Other Income

Employment, business, etc.

Province

Claim CCA (Capital Cost Allowance)

4% of building value annually (read warning below)

Enter your rental details to calculate your tax and cash flow

Understanding Rental Property Taxes in Canada

Rental income in Canada is taxed as regular income at your marginal tax rate. However, you can deduct many expenses to reduce your taxable rental income.

Deductible Expenses

Mortgage interest (not principal payments)
Property taxes and condo fees
Insurance premiums
Utilities if paid by landlord
Repairs and maintenance (but not improvements)
Property management fees
Advertising for tenants
Legal and accounting fees

Capital Cost Allowance (CCA)

CCA is depreciation you can claim on the building (not land). For residential rental properties (Class 1), the rate is 4% per year. However, CCA cannot create or increase a rental loss, and it will be "recaptured" when you sell the property.

When You Sell

When you sell a rental property, you'll pay tax on any capital gain (at a 50% inclusion rate). If you claimed CCA, you'll also face "recapture" where all CCA claimed is added back to your income.

Disclaimer: This calculator provides estimates only. Rental property tax is complex with many rules around personal use, principal residence exemption, and more. Consult a tax professional for accurate advice.