Use this free Ontario take-home pay calculator to see your salary after federal tax, Ontario tax, CPP and EI for 2026, per year, month or paycheque.
Ontario, Canada · 2026 tax yearOntario Take-Home Pay Calculator
Estimate for an Ontario resident employee in 2026, using the basic personal amounts only. Actual payroll deductions can differ slightly.
Our free Ontario take-home pay calculator shows how much of your salary you actually keep. First, enter your annual salary or hourly wage. Then choose how often you are paid, and the calculator subtracts 2026 federal tax, Ontario tax, the Ontario Health Premium, CPP and EI. As a result, you see your net pay per year, month or paycheque.
How the Ontario Take-Home Pay Calculator Works
Your take-home pay is your gross pay minus the deductions your employer must make. In Ontario, there are three main types of deduction, and the calculator works out each one using the 2026 rates published by the Canada Revenue Agency.
First, federal and Ontario tax, plus the Ontario Health Premium.
Then Canada Pension Plan contributions, including CPP2 on higher earnings.
Finally, Employment Insurance premiums, up to a yearly maximum.
The formula
Take-home pay = Gross pay − Income tax − CPP − EI
Ontario Take-Home Pay Calculator Examples
For example, here are three Ontario workers in 2026. In each case, only the basic personal amounts are claimed.
She earns a salary of $50,000 a year and wants her monthly pay.
- First: income tax $6,273
- Then: CPP and EI $3,582
- Finally: net per year $40,145
Similarly, he earns $85,000, so he also pays CPP2 on income above $74,600.
- First: income tax $15,551
- Then: CPP and EI $5,770
- Finally: net per year $63,679
He earns $22 an hour for 37.5 hours a week, which is $42,900 a year, and he is paid every two weeks.
- First: income tax $4,873
- Then: CPP and EI $3,044
- Finally: net per year $34,983
Take-Home Pay Table for Ontario
This table shows estimated 2026 take-home pay for common salaries. In other words, it is your salary after federal tax, Ontario tax, CPP and EI.
| Salary | Take-home per year | Per month | Average deduction rate |
|---|---|---|---|
| $30,000 | $25,482 | $2,124 | 15.1% |
| $40,000 | $32,814 | $2,734 | 18.0% |
| $50,000 | $40,145 | $3,345 | 19.7% |
| $60,000 | $47,340 | $3,945 | 21.1% |
| $75,000 | $56,926 | $4,744 | 24.1% |
| $100,000 | $74,206 | $6,184 | 25.8% |
| $125,000 | $90,172 | $7,514 | 27.9% |
| $150,000 | $104,320 | $8,693 | 30.5% |
| $200,000 | $131,278 | $10,940 | 34.4% |
Estimates for 2026, rounded to the nearest dollar.
2026 Federal and Ontario Tax Brackets
Both governments tax income in brackets. In 2026, the lowest federal rate fell to 14%, so most people pay slightly less federal tax than before.
| Federal taxable income | Rate |
|---|---|
| Up to $58,523 | 14% |
| $58,523 to $117,045 | 20.5% |
| $117,045 to $181,440 | 26% |
| $181,440 to $258,482 | 29% |
| Over $258,482 | 33% |
| Ontario taxable income | Rate |
|---|---|
| Up to $53,891 | 5.05% |
| $53,891 to $107,785 | 9.15% |
| $107,785 to $150,000 | 11.16% |
| $150,000 to $220,000 | 12.16% |
| Over $220,000 | 13.16% |
In addition, everyone gets a federal basic personal amount of up to $16,452 and an Ontario amount of $12,989 tax-free.
CPP and EI Deductions in 2026
- CPP: first, you pay 5.95% on earnings between $3,500 and $74,600, up to a maximum of $4,230.45 a year.
- CPP2: then, if you earn more than $74,600, you pay an extra 4% up to $85,000, so the maximum is $416.
- EI: finally, you pay 1.63% of earnings up to $68,900, which means a maximum of $1,123.07 a year.
- Tax relief: moreover, part of your CPP and all of your EI give you tax credits, and the extra CPP is deducted from taxable income.
Ontario Surtax and Health Premium
Ontario adds two charges that most other provinces don’t have. Although they look complicated, the calculator includes both automatically.
- Ontario surtax: if your Ontario tax is more than $5,818, you pay an extra 20% on the amount above it. In addition, you pay another 36% on Ontario tax above $7,446.
- Ontario Health Premium: similarly, it starts at $20,000 of taxable income and rises in steps up to a maximum of $900 a year.
- Ontario tax reduction: in contrast, people with low incomes get a reduction that can cut their Ontario tax to zero.
Ways to Pay Less Tax in Ontario
- RRSP contributions: for example, money you put into an RRSP is deducted from your taxable income, so you pay less tax.
- FHSA: likewise, a First Home Savings Account lets first-time buyers deduct up to $8,000 a year.
- Union and professional dues: these are also deductible, so keep your receipts.
- Tax credits: finally, claim credits you qualify for, such as tuition, medical expenses and donations.
How to Use the Ontario Take-Home Pay Calculator
- First, choose whether you earn an annual salary or an hourly wage.
- Next, enter your salary, or your hourly wage, hours and weeks.
- Then pick how often you want to see your pay, such as per month or bi-weekly.
- Finally, press Calculate Take-Home Pay to see your net pay and every deduction.
More Salary Calculators
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Ontario Take-Home Pay Calculator FAQs
How much is $60,000 after tax in Ontario?
In 2026, a $60,000 salary in Ontario leaves about $47,340 a year after federal tax, Ontario tax, CPP and EI. In other words, that is roughly $3,945 a month.
What is deducted from my paycheque in Ontario?
Your employer deducts federal income tax, Ontario income tax, the Ontario Health Premium, CPP contributions and EI premiums. In addition, some employers deduct pension, benefits or union dues.
Why is my take-home pay different from my paystub?
This calculator uses yearly totals. However, payroll works out deductions for each pay period, and CPP and EI stop once you reach the yearly maximum. As a result, your paystubs may vary slightly during the year.
What is the Ontario Health Premium?
It is an extra amount collected with your Ontario tax to help fund health care. It starts at $20,000 of taxable income and rises in steps to a maximum of $900 a year.
What is CPP2?
CPP2 is a second, additional Canada Pension Plan contribution on earnings between $74,600 and $85,000 in 2026. Therefore, only people earning above $74,600 pay it, at a rate of 4%.
Does this calculator work for self-employed people?
Not exactly. Self-employed people pay both the employee and employer shares of CPP and usually don’t pay EI. So, for self-employment income, the deductions shown here will be too low.
Disclaimer: This calculator gives an estimate for general information only and is not tax advice. It assumes you are an Ontario resident employee claiming only the basic personal amounts. Moreover, your actual tax depends on your full return, so check your paystub or the Ontario government for details.