Skip to content
FinanceWith Ease
Change country: Canada

Choose your country

Australia Canada Ireland New Zealand United Kingdom United States

Ontario Income Tax Calculator

Calculate your 2026 take-home pay in Ontario after federal, provincial and payroll taxes.

$
More options· RRSP contributions
$

Per year, made through payroll.

Take-home per paycheque

$2,189.44

Paid every 2 weeks · 2026 tax rules

Per month
$4,744
Per year
$56,926
How your pay is split
  • Take-home76%
  • Federal tax11%
  • CPP & EI7%
  • Ontario tax6%

Average tax rate 24.1% · Marginal 32.5%Both rates include CPP and EI, not just income tax.

What this means

Of every extra $100 you earn, you’d take home about $68. The other 32% is your marginal rate: the rate on a raise, a bonus or overtime.

Across all your pay, only 24% goes to tax and deductions, because the first part of your income is taxed at lower rates. A raise never lowers your take-home pay overall.

Next step

Breakdown

Per paychequePer year
Gross pay$2,884.62$75,000.00
Federal income tax-$317.64-$8,258.60
Ontario income tax-$142.16-$3,696.06
Ontario Health Premium-$28.85-$750.00
CPP-$162.71-$4,230.45
CPP2-$0.62-$16.00
EI-$43.20-$1,123.07
Take-home pay$2,189.44$56,925.82

Where your pay goes

Gross pay $6,250

Where your gross pay goes
  • Take-home$4,744
  • Federal tax$688
  • CPP & EI$447
  • Ontario tax$371

Take-home $4,744, as a 50/30/20 budget

A 50/30/20 budget of your take-home pay
  • Needs$2,372
  • Wants$1,423
  • Savings$949

Amounts a month. The 50/30/20 guide puts half your take-home pay towards needs, 30% towards wants and 20% towards savings and paying off debt.

Plan your budget with your take-home pay
Assumptions in this estimate
  • Assumes employment income is your only income and you claim the basic personal amount and the Canada employment amount.
  • Tax is your estimated annual liability spread evenly across pay periods; your employer’s withholding (based on your TD1) can differ slightly.
  • CPP and EI are spread evenly too. In practice they stop once you reach the yearly maximum (EI at $68,900 of earnings, CPP at $74,600 and CPP2 at $85,000), so higher earners’ last paycheques of the year are larger.
  • From July to December 2026, employers in British Columbia, Newfoundland and Labrador and Prince Edward Island use catch-up rates for mid-year changes, so those paycheques differ slightly; the yearly total is the same.
  • The Canada Workers Benefit and other refundable benefits you claim on your return are not included.
  • The temporary federal top-up credit (2025–2030) only affects people with very large non-refundable credits and is not included.
  • The Ontario LIFT credit for lower-income workers is claimed on your tax return and is not included.
Spotted a mistake? Tell us

Ontario taxes at a glance

Ontario income tax rates range from 5.05% to 13.16% across 5 brackets, with a basic personal amount of $12,989. Higher earners also pay a provincial surtax, and most residents pay the Ontario Health Premium of up to $900 a year. Lower-income residents get a provincial tax reduction. Employees also contribute to the CPP and pay EI premiums.

Every paycheque in Ontario also has federal income tax withheld, along with CPP contributions and EI premiums. Use the calculator above to see the exact amounts for your salary and deductions.

Notes for Ontario

  • The Ontario LIFT credit for lower-income workers is claimed on your tax return and is not included.

Popular salaries after tax in Ontario

Other provinces (12)