Ontario Paycheck Calculator
Canada · 2026
Ontario hourly & salary take-home pay
Estimate your Ontario take-home pay after federal tax, Ontario tax, CPP, and EI, using the 2026 rates. Works for hourly and salaried workers, from Toronto to the rest of Ontario.
Paycheck calculator
Your pay
2026 Ontario brackets and credits applied.
Gross used: $58,240 per year. Includes federal tax, provincial tax, CPP, and EI.
Annual take-home pay
$46,154
After federal, provincial, CPP & EI
Per paycheck (biweekly)
$1,775.14
26 pay periods
Monthly take-home
$3,846.15
Weekly take-home
$887.57
Take-home per hour
$22.19
After all deductions
Deductions breakdown
Gross pay
$58,240
Federal income tax
$5,051
Ontario tax
$2,229
Ontario Health Premium
$600
CPP (pension)
$3,257
EI (employment insurance)
$949
Your next dollar of pay is taxed at a combined federal and Ontario rate of 23.15%.
Assumptions
Uses the 2026 federal brackets and the 2026 Ontario brackets, with the federal and provincial basic personal amounts, the Canada employment amount, and credits for your CPP and EI premiums — the same method as CRA’s payroll formulas. CPP is 5.95% up to $74,600 plus 4% to $85,000; EI is 1.63% up to $68,900. Includes the Ontario surtax (20% of provincial tax above $5,818 plus 36% above $7,446) and the Ontario Health Premium, which runs from $0 to $900 depending on income. The Ontario low-income tax reduction is not modelled, so tax is slightly overstated for incomes below roughly $20,000. Other credits you may claim are not included. Check your paystub for exact figures.
Ontario income tax rates for 2026
Ontario tax is charged in bands, so each slice of your income is taxed at its own rate. These sit on top of the federal brackets, which run from 14% to 33%.
| Taxable income | Ontario rate |
|---|---|
| $0 – $53,891 | 5.05% |
| $53,891 – $107,785 | 9.15% |
| $107,785 – $150,000 | 11.16% |
| $150,000 – $220,000 | 12.16% |
| Over $220,000 | 13.16% |
The Ontario basic personal amount for 2026 is $12,989, credited at the lowest rate — so roughly that much of your income carries no Ontario tax. Source: Canada Revenue Agency, 2026 tax rates and income brackets.
Includes the Ontario surtax (20% of provincial tax above $5,818 plus 36% above $7,446) and the Ontario Health Premium, which runs from $0 to $900 depending on income.
What Ontario take-home pay looks like
Estimated annual take-home pay for an employee in Ontario with no RRSP contributions, using the 2026 rules above.
| Gross salary | Federal tax | Ontario tax | CPP + EI | Take-home | Biweekly |
|---|---|---|---|---|---|
| $40,000 | $2,691 | $1,671 | $2,824 | $32,814 | $1,262 |
| $60,000 | $5,338 | $2,982 | $4,340 | $47,340 | $1,821 |
| $80,000 | $9,243 | $4,885 | $5,570 | $60,303 | $2,319 |
| $100,000 | $13,302 | $6,723 | $5,770 | $74,206 | $2,854 |
The Ontario column includes the Ontario Health Premium and, at higher incomes, the surtax.
How Ontario compares with other provinces
On a $60,000 salary you keep about $47,340 in Ontario. Here is the same salary elsewhere — useful if you are weighing a move or a job offer in another province.
| Province | Take-home on $60,000 | vs Ontario |
|---|---|---|
| Alberta paycheck calculator | $47,691 | +$351 a year |
| British Columbia paycheck calculator | $47,755 | +$415 a year |
| Yukon paycheck calculator | $47,885 | +$545 a year |
| Nunavut paycheck calculator | $48,773 | +$1,433 a year |
| Nova Scotia paycheck calculator | $44,726 | −$2,613 a year |
Looking beyond Canada? See the same salary taxed in eight countries or our guide to take-home pay by province.
Two Ontario extras most salary calculators leave out
Ontario is the only province with both a surtax and a health premium on top of its brackets, which is why an Ontario pay stub rarely matches a simple bracket calculation. This calculator applies both.
The Ontario Health Premium
Collected through payroll with your income tax, it is a stepped charge: nothing up to $20,000 of taxable income, rising to $300 by $25,000, $450 by $38,500, $600 by $48,600, $750 by $72,600, and a maximum of $900 above $200,600. Most full-time workers pay $600 or $750 a year.
The Ontario surtax
Once your basic Ontario tax passes $5,818 for the year, 20% is added to the amount above that; past $7,446 a further 36% applies. It starts to bite at roughly $100,000 of income and is the reason Ontario’s effective top rate climbs above the 13.16% bracket rate. Toronto, Ottawa, Mississauga and every other city pay the same — no Canadian city levies its own income tax.
| Salary | Ontario tax (incl. surtax) | Health premium | Take-home after federal tax, CPP and EI |
|---|---|---|---|
| $50,000 | $1,688 | $600 | $40,145 |
| $75,000 | $3,696 | $750 | $56,926 |
| $100,000 | $5,973 | $750 | $74,206 |
Ontario salary to hourly, and back
A $60,000 Ontario salary on a 40-hour week is about $28.85 an hour before deductions. Switch the calculator to Hourly to go the other way: enter your rate, hours and paid weeks, and it shows both the annual figure and what you keep per hour once tax, the health premium, CPP and EI have come out. Overtime, shift premiums and vacation pay all count as employment income and are taxed the same way.
Hourly or salary — both work
Use Hourly mode to enter your wage, weekly hours, and paid weeks and see your Ontario hourly take-home pay, including what you keep per hour after tax, CPP, and EI. Use Salary mode for an annual figure. Add an RRSP contribution to see how it lowers your taxable income.
Limitations & disclaimer
This is an estimate for an employee claiming only the basic personal amounts. It applies the 2026 federal and Ontario brackets, credits for CPP and EI premiums, and the Canada employment amount, following the method in CRA’s payroll deduction formulas. The Ontario low-income tax reduction is not modelled, so tax is slightly overstated for incomes below roughly $20,000. It does not include other credits, taxable benefits, union dues or pension-plan contributions. Use your paystub or the CRA Payroll Deductions Online Calculator for exact figures.
FAQs
How much is take-home pay on $60,000 in Ontario?
On a $60,000 salary in Ontario for 2026, this calculator estimates $5,338 in federal income tax, $2,982 in Ontario tax (including the Ontario Health Premium), $3,362 in CPP and $978 in EI — leaving about $47,340 a year, or $1,821 per biweekly paycheque.
What are the Ontario income tax rates for 2026?
Ontario taxes income in 5 bands for 2026, from 5.05% on the first $53,891 up to 13.16% on the highest incomes. The first $12,989 is sheltered by the Ontario basic personal amount.
What are CPP and EI on my Ontario paycheque?
CPP is 5.95% of earnings between $3,500 and $74,600, plus a second 4% contribution on earnings between $74,600 and $85,000. EI is 1.63% of earnings up to $68,900. Both stop once you hit the annual maximum, so paycheques late in the year can be larger.
Is this an hourly or salary calculator?
Both. Switch between Hourly and Salary at the top. Hourly mode takes your wage, hours per week, and paid weeks, and also shows your take-home per hour after all deductions.