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Ontario Paycheck Calculator

How is take-home pay calculated in Ontario?

In Ontario, a $80,000 salary has an estimated take-home of $60,303.09 per year using 2026 payroll rules. Take-home is salary minus federal tax, Ontario tax, CPP, and EI.

Example gross salary
$80,000
Estimated annual take-home
$60,303.09
Effective tax rate
17.7%
Payroll year
2026

Tax year: 2026 Ontario Last updated: September 5, 2026 Methodology

Source: T4032-OC Payroll Deductions Tables – CPP, EI, and income tax deductions – In Canada beyond the limits of any province/territory or outside Canada (January 1, 2026); TD1 2026 Personal Tax Credits Return

Estimate your Ontario take-home pay after federal tax, Ontario tax, the Ontario Health Premium, CPP, and EI.

How do you want to enter your pay?

Annual salary

Uses the basic personal amount (claim code 1). You can add optional deductions below. · Tax year 2026

Ontario Paycheck Calculator 2026

Estimate your Ontario take-home pay after federal tax, Ontario tax, the Ontario Health Premium, CPP, and EI. This page uses the 2026 payroll rules stored for Ontario. Results are estimates for a full-year employee claiming the basic personal amount.

Ontario Take-Home Pay

Example annual take-home estimates. These are rounded planning figures, not a pay stub.

Gross salary Estimated take-home Effective tax rate
$40,000 in Ontario $32,813.54 10.9%
$50,000 in Ontario $40,144.94 12.5%
$60,000 in Ontario $47,340.22 13.9%
$70,000 in Ontario $53,786.73 15.9%
$80,000 in Ontario $60,303.09 17.7%
$90,000 in Ontario $67,197.39 18.9%
$100,000 in Ontario $74,206.69 20.0%
$120,000 in Ontario $87,342.28 22.4%
$150,000 in Ontario $104,319.40 26.6%

How Ontario Income Tax Works

Ontario income tax

Ontario has five personal tax brackets for 2026, starting at 5.05% and rising to 13.16% above $220,000. Ontario also applies a surtax on provincial tax over $5,818, plus a separate Ontario Health Premium that can reach $900 a year. A low-income tax reduction of $300 can wipe out Ontario tax for some lower earners.

Federal tax, CPP, and EI

Ontario employees pay the same federal brackets, Canada Pension Plan, and Employment Insurance as other provinces outside Quebec. The 2026 federal basic personal amount is $16,452 for most filers. Ontario’s own basic personal amount is $12,989.

Ontario-specific considerations

The Ontario Health Premium is based on taxable income and is not reduced by the Ontario tax reduction. Taxable benefits, employer pensions, and your TD1ON claim can change withholding even when salary stays the same.

Ontario Payroll Deductions

Federal income tax

The same federal brackets apply in Ontario as in other provinces outside Quebec. This calculator uses CRA T4127 Option 1 and claim code 1.

Ontario income tax

Ontario has five personal tax brackets for 2026, starting at 5.05% and rising to 13.16% above $220,000. Ontario also applies a surtax on provincial tax over $5,818, plus a separate Ontario Health Premium that can reach $900 a year. A low-income tax reduction of $300 can wipe out Ontario tax for some lower earners.

CPP and CPP2

Employees contribute 5.95% of pensionable earnings between the $3,500 exemption and the YMPE, up to $4,230.45. CPP2 applies once pensionable earnings pass the YMPE ($74,600 in 2026) and continue to the YAMPE ($85,000).

Employment Insurance

The 2026 employee EI rate outside Quebec is 1.63% of insurable earnings up to $68,900, with a maximum premium of $1,123.07.

Ontario salary pages

Frequently asked questions

How much is $80,000 after tax in Ontario?

Estimated take-home is $60,303.09 a year, with an effective income-tax rate of 17.7%.

Does this Ontario calculator include the Health Premium?

Yes. The Ontario Health Premium is included in estimated provincial tax using the CRA T4127 V2 formula.

What is Ontario’s basic personal amount for 2026?

The 2026 Ontario basic personal amount used here is $12,989, from CRA T4127 Table 8.2.

How is take-home pay calculated in Canada?

Estimated take-home pay is your gross salary minus federal and provincial or territorial income tax, CPP or QPP, EI, and any optional deductions you enter. This calculator uses CRA T4127 payroll deduction formulas for 2026, with Revenu Québec parameters for Quebec provincial tax.

How much tax do I pay on my salary?

Canada uses progressive tax brackets federally and in each province or territory. You do not pay the top rate on your whole salary. This page shows estimated income tax and an effective tax rate, which is total estimated tax divided by gross salary.

How much CPP is deducted?

For 2026, employees contribute 5.95% of pensionable earnings between the $3,500 basic exemption and the $74,600 YMPE, up to $4,230.45. Earnings between $74,600 and $85,000 also attract a 4% second additional contribution (CPP2), up to $416. Quebec employees contribute to QPP instead.

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