Free tool · Personal tax
Know what’s left after tax.
A free 2026 Ontario income tax calculator for employment income. Explore your estimated tax, CPP, EI and take-home income, with room for an RRSP contribution.
Follow an Ontario employment-income scenario through estimated tax and employee contributions to the income left after deductions.
Visual labels: Employment income; Tax, CPP and EI; What’s left for you.Ontario · 2026 tax year
Your income. A clearer picture.
Start with your annual salary. See what goes toward tax and what’s left for you.
Your total salary or wages before deductions.
Use the amount you can deduct for 2026 within your CRA deduction limit. Leave at $0 if unsure.
Built for a straightforward salary
Single Ontario resident, age 19–64, one employer for the full year. Other income and personal credits need a separate calculation.
See what’s includedNo sign-up. The amounts you enter stay in your browser.
Estimated annual take-home
$60,302.62
After income tax, CPP and EI.
- Income tax / year
- $14,127.86
- Average income tax rate
- 17.7%
Annual breakdown
- Gross employment income
- $80,000.00
- Federal income tax
- -$9,242.60
- Ontario income tax
- -$4,135.26
- Ontario health premium
- -$750.00
- CPP, including CPP2
- -$4,446.45
- Employment insurance (EI)
- -$1,123.07
- Estimated take-home
- $60,302.62
Annual estimate in CAD. Monthly and biweekly figures are averages, rather than exact paycheques. Refundable benefits and credits are excluded.
What goes into the estimate
The calculation applies progressive 2026 federal and Ontario brackets to employment income after the entered RRSP deduction and enhanced CPP deduction. It includes basic personal credits, the Canada employment amount, base CPP and EI credits, Ontario surtax, the basic Ontario tax reduction, LIFT where applicable, and the Ontario health premium.
Take-home income is gross income less estimated income tax, employee CPP and EI, and the RRSP contribution you enter. An RRSP contribution is savings, rather than a tax. Check your available deduction limit with the CRA before using an amount.
Assumptions and limits
This estimate assumes you are single with no dependants, age 19–64 throughout 2026, resident in Canada all year and Ontario on December 31, with one employer and all salary subject to CPP and EI. It assumes eligibility for the basic Ontario tax reduction and LIFT, with no bankruptcy or other disqualifying circumstances.
It excludes self-employment, rental and investment income, capital gains, pensions, taxable benefits, other deductions and personal credits, and refundable credits or benefits such as the Canada workers benefit. Annual EI is shown after the low-earnings refund for income of $2,000 or less. Paycheque timing and deductions can differ.
Use this as a planning estimate, rather than a tax return, refund calculation or payroll instruction. Amounts are calculated in your browser and are not submitted to Sora. Rates and rules checked October 24, 2026.
An example at $80,000
With $80,000 in annual employment income and no RRSP contribution, this model estimates $14,127.86 in income tax, $4,446.45 in CPP including CPP2, and $1,123.07 in EI. That leaves $60,302.62 for the year, or an average of $5,025.22 a month.
About three minutes
Make sense of your own tax picture.
Income from more than one source, a family change or an RRSP question? Talk through the details with Nauman.
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The background
Understand the numbers behind your income.
Published tax rules provide a starting point. Your own income, deductions and credits determine the return you file.
Questions
Does the higher tax rate apply to my whole salary?
No. Each rate applies only to the portion of taxable income in that bracket. Credits and Ontario surtax can change the final tax, which is why the average rate shown here differs from a bracket’s rate.
Can I use this for self-employment or another province?
This version is for Ontario employment income only. Self-employment has different CPP rules and business deductions. Income earned in another province, or a change in residence, also needs a separate calculation.
Will the monthly figure match my paycheque?
It is the annual estimate divided by 12. Biweekly is divided by 26. Actual payroll depends on pay periods, TD1 claims, pension and benefit deductions, contribution caps reached during the year, and whether an RRSP deduction is reflected at source. LIFT may be received when filing your return.
Does this calculate my refund?
No. A refund also depends on tax already withheld or instalments paid, and all other income, deductions and credits. This tool estimates the annual tax on the employment-income scenario only.