Ontario take-home pay calculator (2026)
Enter your annual salary to see what you keep in Ontario after federal and provincial income tax, pension contributions and employment insurance, using the official 2026 rates.
- Take-home 79%
- Federal tax 9%
- Provincial tax 5%
- CPP 6%
- EI 2%
- Federal income tax$445
- Provincial income tax$249
- CPP (Canada Pension Plan)$280
- Employment Insurance (EI)$82
- Total deductions$1,055
Family benefits (tax-free)
- Canada Child Benefit–
- Ontario Child Benefit–
- Take-home pay + benefits–
Paid monthly from July to June, based on last year’s family income. Estimated from this year’s income. Ontario's own child benefit is not included yet.
Average deduction rate 21.1%Marginal rate on your next dollar 35.68%
More options
Take-home pay in Ontario at common salaries
| Salary | Net per year | Per month | Average deduction rate |
|---|---|---|---|
| $40,000 | $33,332 | $2,778 | 16.67% |
| $50,000 | $40,168 | $3,347 | 19.66% |
| $60,000 | $47,340 | $3,945 | 21.1% |
| $75,000 | $56,926 | $4,744 | 24.1% |
| $90,000 | $67,197 | $5,600 | 25.34% |
| $100,000 | $74,206 | $6,184 | 25.79% |
| $120,000 | $87,343 | $7,279 | 27.21% |
| $150,000 | $104,320 | $8,693 | 30.45% |
Table assumes a single person with no children and no other deductions. The calculator above handles a partner, children, RRSP, workplace pension and union dues. It covers your own taxes only (not your partner’s) and assumes no other income.
Ontario income tax brackets for 2026
| Taxable income | Rate |
|---|---|
| Over $0 | 5.05% |
| Over $53,891 | 9.15% |
| Over $107,785 | 11.16% |
| Over $150,000 | 12.16% |
| Over $220,000 | 13.16% |
Federal income tax brackets for 2026
| Taxable income | Rate |
|---|---|
| Over $0 | 14% |
| Over $58,523 | 20.5% |
| Over $117,045 | 26% |
| Over $181,440 | 29% |
| Over $258,482 | 33% |
How this is calculated
We compute the annual tax return of a single employee with only employment income: pension and EI contributions on the official ceilings, the enhanced pension contributions as a deduction, then federal and provincial tax with the basic personal amount, the Canada employment amount and contribution credits. Paycheque withholding can differ slightly during the year; your tax return settles the difference.
Official sources
- www.canada.ca/en/revenue-agency/services/forms-publications/payroll/t4127-payroll-deductions-formulas/t4127-jan/t4127-jan-payroll-deductions-formulas-computer-programs.html
- www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/adjustment-personal-income-tax-benefit-amounts.html
- www.canada.ca/en/department-finance/services/publications/report-impact-reducing-lowest-marginal-personal-income-tax-rate-non-refundable-tax-credits.html
- www.canada.ca/en/revenue-agency/services/e-services/digital-services-businesses/payroll-deductions-online-calculator.html
- www.canada.ca/en/revenue-agency/services/child-family-benefits/child-family-benefits-calculator.html
- www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4114/canada-child-benefit.html
- www.canada.ca/en/revenue-agency/services/child-family-benefits/provincial-territorial-programs.html
- budget.ontario.ca/2026/fallstatement/provisions.html
Rates last checked: 2026-11-09