Ontario Take-Home Pay Calculator (2026)
Enter your gross annual salary. Get net pay after federal + Ontario tax, CPP, CPP2 and EI — annual, monthly, bi-weekly and weekly.
Working full-time hourly? Multiply your rate × 2,080 (≈40 hrs × 52 wks).
Deduction breakdown
- Federal tax
- $10,293
- Ontario tax
- $4,467
- CPP
- $4,230
- CPP2
- $216
- EI
- $1,123
- Total deductions
- $20,329
Uses 2026 federal + Ontario brackets, CPP/CPP2 and EI rates. Basic personal amounts applied. Ontario surtax, RRSP, union dues and other credits not modeled. Last updated 2026-07-12.
Not in Ontario? Use the full Canada salary converter
All 13 provinces + territories, hourly ↔ annual ↔ net, with a common-rates comparison table.
How Ontario take-home pay is actually calculated
- Your paycheque = gross − (federal tax + Ontario tax + CPP + CPP2 + EI).
- Ontario has 5 tax brackets from 5.05% to 13.16% (excluding surtax).
- CPP tops out at $4,230 in 2026; CPP2 adds up to $416 above the YMPE.
- EI premiums max at $1,123 for the year.
- This calculator applies the federal + Ontario basic personal amounts as credits.
The 2026 Ontario tax brackets
- 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%
What this v1 does not model
Ontario surtax (20% on ON tax over $5,818 + 36% over $7,446), RRSP contributions, union dues, employer group benefits, and Ontario Health Premium. Include those in your own calculation if they apply. RRSP is the biggest lever — every dollar you contribute reduces taxable income at your marginal rate.
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