Ontario paycheques carry the province’s surtax on top of its income tax — plus the Ontario Health Premium, which adds up to $900 a year. Both are built into every number below, so the take-home pay you see is the take-home pay you get. Enter your salary to see your take-home pay, and use the table to compare eight salary levels at a glance.
Calculate your take-home pay
Enter your province and salary and press “Calculate my take-home pay”.
CPP, EI and QPIP are calculated on your gross salary. In Quebec, QPP replaces CPP and QPIP applies. 2026 figures.
Ontario take-home pay at a glance
Net annual pay and bi-weekly take-home pay at eight salary levels — calculated with the tool above using 2026 federal and Ontario tax, CPP and EI.
| Gross salary | Net annual pay | Bi-weekly paycheque |
|---|---|---|
| $40,000 | $32,065.47 | $1,233.29 |
| $50,000 | $39,252.47 | $1,509.71 |
| $60,000 | $46,243.00 | $1,778.58 |
| $75,000 | $55,615.73 | $2,139.07 |
| $80,000 | $58,933.23 | $2,266.66 |
| $100,000 | $72,709.92 | $2,796.54 |
| $120,000 | $85,627.72 | $3,293.37 |
| $150,000 | $102,604.84 | $3,946.34 |
How your Ontario paycheque is calculated
Income tax is calculated on your taxable income — your gross salary minus any RRSP contribution — using the 2026 federal brackets and Ontario's five brackets (5.05% to 13.16%). Ontario then adds its surtax — 20% of the basic Ontario tax above $5,818, plus 36% above $7,446 — and the Ontario Health Premium, which runs from $0 to $900 depending on income. CPP comes off at 5.95% of earnings between $3,500 and $74,600 (maximum $4,230.45), plus a second CPP contribution of 4% on earnings from $74,600 to $85,000 (maximum $416). EI is 1.63% of insurable earnings up to $68,900 (maximum $1,123.07). Only the basic personal amount is applied — no other credits.
An RRSP contribution lowers your taxable income, so it lowers your income tax — but the contribution itself also comes out of your paycheque. Try one above to see the trade-off: the calculator shows exactly how much tax it saves you.
General information only — not financial advice. Employment income only; income tax uses only the basic personal amount. 2026 figures, verified November 8, 2026.