Take-home pay in Ontario, 2026
Ontario take home pay calculator 2026
Your salary after federal and Ontario income tax, CPP and EI for the 2026 tax year, worked out line by line.
Pay
Deductions
Your employer also pays, on top of your salary
Checked 20 October 2026 against the CRA's 2026 tax rates, its T4127 payroll formulas (122nd and 123rd editions), CPP and EI rates, and provincial and territorial sources. How we check.
Assumes one employer for the whole year, basic personal amounts only (claim code 1), no RRSP, pension plan or union dues taken from pay, no northern residents deduction, and no taxable benefits or bonuses. Each period is the yearly amount divided evenly; a real pay stub spreads CPP and EI differently. Each line is rounded to the cent, with any leftover cent on the largest line. Why your pay stub differs.
These figures are estimates based on the salary and province or territory shown and the 2026 federal, provincial and territorial tax rules, CPP and EI rates published by the Canada Revenue Agency and other government sources. They are general information, not tax, financial or legal advice. Your pay stub can differ, for example because of your TD1 claims, RRSP or pension deductions, union dues, taxable benefits, bonuses, how often you are paid or the point in the year. Check your pay stub, or ask your employer or the CRA, before relying on these figures.
Ontario taxes income at 5.05% to 13.16% in 2026
| Taxable income | Ontario rate |
|---|---|
| First $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% |
The basic personal amount is $12,989, and credits are worth 5.05% of the amounts.
Ontario adds a surtax to its basic tax: 20% of basic Ontario tax above $5,818, plus 36% of basic Ontario tax above $7,446. With basic personal amounts only, it starts at a salary of about $98,600.
The Ontario Health Premium is charged through payroll on taxable income: nothing up to $20,000, then rising in steps to $300, $450, $600 and $750, and $900 on taxable income above $200,600. It shows inside provincial tax on a pay stub.
The Ontario tax reduction cuts Ontario tax for people on low incomes. With no dependants it cancels basic Ontario tax plus surtax of up to $300, and shrinks to nil when that tax reaches $600. This calculator does not model the extra amount for dependants.
The Low-income Individuals and Families Tax (LIFT) credit is up to $875, or 5.05% of employment income if less, and is claimed on your tax return, not through payroll. It is non-refundable: it can reduce your Ontario income tax, but not the health premium, to nil and no further. It is reduced by 5% of the greater of your adjusted net income over $32,500 and your family's adjusted net income over $65,000, so for a single person it is nil at $50,000. It is not in these figures (Ontario: LIFT credit).
Ontario income tax and take-home pay on common salaries
| Salary | Federal tax | Ontario tax | CPP and EI | Take-home a year | Every two weeks |
|---|---|---|---|---|---|
| $30,000 | $1,397 | $1,055 | $2,066 | $25,482 | $980 |
| $40,000 | $2,691 | $1,671 | $2,824 | $32,814 | $1,262 |
| $50,000 | $3,985 | $2,288 | $3,582 | $40,145 | $1,544 |
| $60,000 | $5,338 | $2,982 | $4,340 | $47,340 | $1,821 |
| $70,000 | $7,278 | $3,856 | $5,080 | $53,786 | $2,069 |
| $80,000 | $9,243 | $4,885 | $5,570 | $60,303 | $2,319 |
| $90,000 | $11,252 | $5,782 | $5,770 | $67,197 | $2,585 |
| $100,000 | $13,302 | $6,723 | $5,770 | $74,206 | $2,854 |
| $125,000 | $18,802 | $10,256 | $5,770 | $90,172 | $3,468 |
| $150,000 | $25,302 | $14,608 | $5,770 | $104,320 | $4,012 |
| $200,000 | $38,877 | $24,076 | $5,770 | $131,278 | $5,049 |
Basic personal amounts only, no RRSP or union dues. Every two weeks is the yearly take-home pay divided by 26. Rounded to the nearest dollar, so a row may not add up exactly.
Salary after tax in Ontario
- $30,000$2,124 a month
- $35,000$2,435 a month
- $40,000$2,734 a month
- $45,000$3,046 a month
- $50,000$3,345 a month
- $55,000$3,655 a month
- $60,000$3,945 a month
- $65,000$4,213 a month
- $70,000$4,482 a month
- $75,000$4,744 a month
- $80,000$5,025 a month
- $85,000$5,307 a month
- $90,000$5,600 a month
- $95,000$5,893 a month
- $100,000$6,184 a month
- $105,000$6,469 a month
- $110,000$6,753 a month
- $115,000$7,028 a month
- $120,000$7,279 a month
- $125,000$7,514 a month
- $130,000$7,750 a month
- $135,000$7,986 a month
- $140,000$8,222 a month
- $145,000$8,458 a month
- $150,000$8,693 a month
- $175,000$9,841 a month
- $200,000$10,940 a month
Your pay stub can differ from these yearly figures
Payroll works pay by pay. CPP and EI stop once you reach the yearly maximums, so higher earners see bigger deductions early in the year and none late in it. Credits you claim on your tax return are not applied by payroll at all.
Take-home pay in other provinces and territories
- British Columbia$47,755 a year on $60,000
- Alberta$47,691 a year on $60,000
- Manitoba$45,772 a year on $60,000
- Saskatchewan$46,520 a year on $60,000
- Nova Scotia$44,726 a year on $60,000
- New Brunswick$46,048 a year on $60,000
- Newfoundland and Labrador$45,763 a year on $60,000
- Prince Edward Island$45,447 a year on $60,000
- Yukon$47,885 a year on $60,000
- Northwest Territories$47,938 a year on $60,000
- Nunavut$48,773 a year on $60,000
Sources
CRA: Tax rates and income brackets for 2026; CRA: T4127 Payroll Deductions Formulas, 122nd edition (January 2026); CRA: T4127 Payroll Deductions Formulas, 123rd edition (July 2026); CRA: CPP contribution rates, maximums and exemptions; CRA: EI premium rates and maximums; Ontario: Health premium; Ontario: LIFT credit. Rules checked 20 October 2026. How we calculate.