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
- $9,243
- Ontario tax
- $4,897
- CPP
- $4,230
- CPP2
- $216
- EI
- $1,123
- Total deductions
- $19,710
Uses 2026 federal + Ontario brackets, CPP/CPP2 and EI rates. Basic personal amounts applied. RRSP, union dues and other credits not modeled. Last updated 2026-07-12.
Quick answer
Take-home pay in Ontario is your gross salary minus federal income tax, Ontario income tax (including the Ontario surtax and Health Premium), CPP and CPP2 contributions and EI premiums. On a $60,000 salary in 2026, that leaves about $47,328 a year, or $1,820 every two weeks. Enter your own salary above for an instant estimate.
Updated · Free, no signup · How we review content · 2 sources
See take-home pay by province (2026)
Salary after federal and provincial tax, CPP/QPP and EI — with tables for $30,000 to $150,000. Compare all provinces
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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 standard employee credits: basic personal amounts, CPP and EI contributions and the Canada employment amount.
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's included, and what isn't
Included: federal and Ontario brackets, basic personal amounts, CPP/EI and Canada employment amount credits, the Ontario surtax (20% on Ontario tax over $5,818 + 36% over $7,446), the Ontario Health Premium, CPP, CPP2 and EI. Not included: RRSP contributions, union dues, employer group benefits and other credits. 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.
How this tool works
- Enter your gross annual salary (before any deductions).
- The calculator applies 2026 federal and Ontario brackets with the basic personal amounts, then adds the Ontario surtax and Ontario Health Premium where they apply.
- It deducts CPP (and CPP2 on earnings above the first ceiling) and EI premiums up to their annual maximums.
- Net pay is shown per year, month, two weeks and week. It runs in your browser — nothing is sent anywhere.
Worked example: $60,000 in Ontario (2026)
- Federal income tax: about $5,338
- Ontario income tax (incl. surtax and Health Premium): about $2,994 — of which the Health Premium is $600
- CPP + CPP2: about $3,362
- EI: about $978
Take-home: about $47,328 a year — $3,944 a month or $1,820 biweekly. Your marginal income-tax rate on the next dollar is about 29.6%.
Estimate for a single employee with basic credits and no other income. See the full $60,000 after tax in Ontario page for the bracket-by-bracket breakdown.
Tips for job seekers in Canada
- RRSP contributions reduce taxable income. If you contribute through payroll, your employer can reduce the tax withheld; otherwise you get the difference back when you file.
- Your first job in Canada: fill in the federal and Ontario TD1 forms so your employer withholds the right amount of tax.
- Newcomers who arrive part-way through the year usually pay less tax that year, because only income after arrival is taxed in Canada (worldwide income rules can apply — check CRA's newcomer guidance).
- Comparing provinces? The same salary can leave noticeably different take-home pay — use the province comparison on the salary-after-tax pages before relocating.
- Benefits, pension plans and union dues come off your cheque too. Ask for a sample pay stub or total compensation summary when you get an offer.
Take-home pay at common Ontario salaries (2026 estimate)
| Gross salary | Take-home per year | Per month | Biweekly |
|---|---|---|---|
| $40,000 | $32,801 | $2,733 | $1,262 |
| $50,000 | $40,133 | $3,344 | $1,544 |
| $60,000 | $47,328 | $3,944 | $1,820 |
| $75,000 | $56,914 | $4,743 | $2,189 |
| $90,000 | $67,185 | $5,599 | $2,584 |
| $100,000 | $74,191 | $6,183 | $2,854 |
| $120,000 | $87,324 | $7,277 | $3,359 |
Single employee, basic credits, no other income. Computed with the same engine as the calculator above.
Keep going: related guides and data
Sources
Last updated by the Jobeefy editorial team. Written and reviewed under our editorial policy; AI features are described in our AI content policy. This page is general information, not legal, tax or immigration advice.
Frequently asked questions
How much is $80,000 after tax in Ontario?
About $60,900/yr take-home — roughly $5,075/mo or $2,342 bi-weekly, using 2026 federal + Ontario rates, CPP/CPP2 and EI. Exact number depends on your credits and deductions.
How is take-home pay calculated in Ontario?
Gross annual income minus federal tax (5 brackets), Ontario provincial tax (5 brackets), CPP + CPP2 contributions, and EI premiums. We apply the federal and Ontario basic personal amounts as non-refundable credits.
Does this include the Ontario surtax and Health Premium?
Yes. The 2026 Ontario surtax (20% of basic Ontario tax over $5,818, plus 36% over $7,446) and the Ontario Health Premium (up to $900 a year) are both included in the provincial tax figure.
What about RRSP or union dues?
Not modeled. Every dollar contributed to an RRSP reduces taxable income at your marginal rate — for a $100k earner in Ontario that is roughly a 43¢ tax refund per dollar contributed.
What's the take-home pay for minimum wage in Ontario?
At the 2026 minimum wage ($17.20/hr × 2,080 hrs = $35,776 gross), your annual take-home is roughly $32,500 after CPP, EI and the basic personal amount credits absorb most of the tax.
Is $60,000 a good salary in Ontario?
$60,000 is the median individual employment income in Ontario. Take-home is roughly $47,300/year or ~$1,820 bi-weekly. In Toronto specifically, this covers rent for a shared apartment but not a one-bedroom without roommates in 2026.
How much is $100,000 after tax in Ontario?
About $71,900 net — roughly $5,990/month or $2,765 bi-weekly. You cross into the third federal bracket at $117k, so incomes just below $100k are relatively tax-efficient in Ontario.
How much is $50,000 after tax in Ontario?
About $40,133 a year in 2026 for a single employee with basic credits — roughly $3,344 a month.
What is the Ontario Health Premium?
An amount collected through Ontario income tax from residents with taxable income above $20,000, rising in steps to a maximum of $900 a year. It's included in this calculator's Ontario tax figure.
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