Take home pay calculator for Ontario 2026
Enter a salary and see what reaches your account in Ontario after federal tax, provincial tax, CPP and EI.
Salary before any deduction.
26 pay periods a year.
Leave at zero if you contribute outside payroll.
Results
Take home pay, per two weeks
$2,210.22
$57,465.69 a year in Ontario.
| Item | Per year | Per two weeks |
|---|---|---|
| Gross pay | $75,000.00 | $2,884.62 |
| Federal tax | -$8,468.74 | -$325.72 |
| Ontario taxprovincial income tax | -$3,696.06 | -$142.16 |
| CPP contributions | -$4,230.45 | -$162.71 |
| CPP2 contributionson earnings above the yearly maximum pensionable earnings | -$16.00 | -$0.62 |
| EI premiums | -$1,123.07 | -$43.20 |
| Total deductions | -$17,534.31 | -$674.40 |
| Take home pay | $57,465.69 | $2,210.22 |
- Average tax rate
- 16.2%
- Marginal tax rate
- 29.6%
- Taxable income
- $74,273.00
- Total tax
- $12,164.79
Assumptions
- A full year at one salary, with no job change, bonus or unpaid leave part way through.
- Employment income only. Ontario residency for the whole year, and no income from another province.
- Three credits are applied: the basic personal amount, the base CPP contribution, and the EI premium. Credits that depend on your family or personal circumstances are left out.
- The enhanced part of CPP and the whole of CPP2 are deducted from income rather than credited, which is how the Canada Revenue Agency treats them.
- Provincial surtaxes, low income reductions and health premiums are not modelled, so a high salary in a province that charges them will owe more than shown.
- You are an employee on payroll. Self employed earnings work differently and are covered on the contractor page.
Sources
- Ontario income tax rate schedule, Canada Revenue Agency, checked 30 August 2026
- Ontario basic personal amount, TD1 form, Canada Revenue Agency, checked 30 August 2026
- Indexation of personal income tax amounts, Canada Revenue Agency, checked 30 August 2026
- CPP contribution rates, maximums and exemptions, Canada Revenue Agency, checked 30 August 2026
- Second additional CPP contribution rates and maximums, Canada Revenue Agency, checked 30 August 2026
- EI premium rates and maximums, Canada Revenue Agency, checked 30 August 2026
Income tax in Ontario
Ontario applies 5.05 percent to the first $53,891 of taxable income, then 9.15 percent, 11.16 percent from $107,785, 12.16 percent from $150,000, and 13.16 percent above $220,000. Those last two thresholds are round numbers because they were legislated as fixed amounts and are not indexed, unlike the three below them, which move each year.
Two Ontario charges are missing from the figures above. The province levies a surtax on provincial tax once it passes two thresholds, and it charges a health premium that rises in steps with income. A high Ontario salary will therefore owe somewhat more than the table shows. The basic personal amount is $12,989, credited at 5.05 percent, and everything federal on the page is worked out exactly as it would be in any province outside Quebec.
Above $74,600 of earnings the calculator starts charging CPP2 at 4 percent on the next $10,400, and that amount is subtracted from income rather than credited against tax. The base CPP contribution and the EI premium are handled the other way, as credits set at the lowest Ontario rate. Setting a pay frequency splits the finished year into 52, 26, 24, 12, 4 or 1 equal periods and changes no yearly total.