Ontario Take-Home Pay Calculator 2026
Estimate your 2026 take-home pay in Ontario after federal and Ontario income tax, the Ontario surtax and Health Premium, CPP, CPP2 and EI, with every rate shown and editable.
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About the Ontario Take-Home Pay Calculator
The Ontario Take-Home Pay Calculator estimates what is left of a salary earned in Ontario in the 2026 tax year. It takes off federal income tax, Ontario income tax with its surtax, the Ontario Health Premium, CPP and CPP2 contributions and EI premiums, and applies the Ontario tax reduction for low incomes. Enter your gross salary per year, month, 4 weeks, 2 weeks or week and, if you contribute to an RRSP or a registered pension plan through payroll, the share of pay you put in. The result shows net pay per year, per month and per pay period, the total deductions and their share of gross pay, and every line with its scope ("Canada · federal" or "Ontario"), the 2026 tax year and its rate.
This page opens with Ontario chosen. The Canada Take-Home Pay Calculator covers the other provinces, and the Net Salary Calculator other countries.
What comes off an Ontario paycheque
Federal lines
CPP is 4.95% base plus 1.00% first additional on earnings from 3,500 to 74,600, CPP2 4.00% from 74,600 to 85,000, and EI 1.63% up to 68,900. Federal income tax runs from 14% to 33% on salary minus the RRSP, CPP first additional and CPP2, less the basic personal amount, Canada employment amount and CPP and EI credits at 14%.
Ontario income tax and surtax
Ontario's 2026 brackets are 5.05% from 0, 9.15% from 53,891, 11.16% from 107,785, 12.16% from 150,000 and 13.16% from 220,000, less credits at 5.05% for the basic personal amount of 12,989 and for base CPP plus EI. A surtax of 20% applies to Ontario tax after credits above 5,818, and a further 36% above 7,446.
Tax reduction and Health Premium
The Ontario tax reduction removes small amounts of Ontario tax: it is the lesser of the tax and 600 minus the tax. The Ontario Health Premium is then added on taxable income: nothing up to 20,000, rising to 300, 450, 600, 750 and finally 900 above 200,600.
Worked example
100,000 a year
CPP is 3,519.45 + 711.00, CPP2 416.00 and EI 1,123.07, all at their maxima. Taxable income is 98,873 and federal income tax 13,301.60. Ontario tax after credits is 5,946.96, which is 128.96 over the first surtax threshold, so the 20% surtax is 25.79. With the Health Premium of 750.00, Ontario takes 6,722.75. Net pay is 74,206.13 a year.
What the estimate leaves out
The estimate is the full-year 2026 amount for one employee resident in Ontario all year. It uses only the basic personal amounts, the Canada employment amount and the CPP and EI credits, so spouse, dependant, age, disability and tuition credits are left out, as are the dependant amounts of the Ontario tax reduction, the Ontario Trillium Benefit, union dues and taxable benefits. Payroll withholding annualises each pay, so a payslip can differ by a few cents.
Edit and reset the rates
Every rate, including the Ontario bands, both surtax rates and the two Health Premium rates, is a field in the Tax rates panel with its 2026 default. Thresholds and basic amounts are read-only. Edit a rate to see its effect; Reset to 2026 defaults restores them all. To work out gross pay first, use the Gross Pay Calculator.
Official sources
- CRA T4127 Payroll Deductions Formulas, January 2026
- CRA T4127 Payroll Deductions Formulas, July 2026
The rules are checked against these pages; the calculator's header shows the month they were last checked.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Frequently asked questions
What is the Ontario Health Premium?
A charge added to Ontario tax on taxable income above 20,000. It rises in steps to 300, 450, 600 and 750, and reaches its maximum of 900 above 200,600. The calculator shows it as its own line.
When does the Ontario surtax apply?
When Ontario tax after credits passes 5,818, a 20% surtax applies to the excess, and above 7,446 a further 36%. At 100,000 the first surtax is 25.79 and the second is zero.
What is take-home pay on 100,000 in Ontario?
CPP 4,230.45, CPP2 416.00, EI 1,123.07, federal income tax 13,301.60 and Ontario 6,722.75 including the surtax and Health Premium, so take-home pay is 74,206.13 a year, or 6,183.84 a month.
What is the Ontario tax reduction?
It removes small amounts of Ontario tax: the lesser of the tax and 600 minus the tax. At 20,000 it cancels all 288.02 of Ontario tax. Dependant amounts are not included.
What does an RRSP contribution change in Ontario?
An RRSP or registered pension contribution through payroll lowers federal and Ontario taxable income, so it saves tax at your top rate: on a salary of 60,000 that is 20.5% federal plus 9.15% Ontario, 29.65% in all. It does not lower CPP, CPP2 or EI, which are charged on your full salary.
Is the lowest federal rate 14% or 15% in 2026 in Ontario?
It is 14% for all of 2026 in Ontario. The rate fell from 15% in July 2025, so 2025 used a blended 14.5%. The federal credits for the basic personal amount, the Canada employment amount and CPP and EI use 14% too.