Free tool · Personal tax
Ontario take-home pay calculator 2026
Turn gross pay into an estimate of what lands in your account in Ontario for 2026. Enter pay for the year, month, pay period or hour, and see federal and Ontario income tax, CPP, CPP2 and EI taken off.
An illustration of gross pay becoming net pay after deductions, not your result.
Visual labels: Gross pay; Tax, CPP and EI; Net pay.Your scenario
Amounts are displayed in CAD for the 2026 tax year, for an employee who lives and works in Ontario.
- Gross pay for the year
- $90,000.00
- Federal income tax
- $11,251.60
- Ontario tax (with surtax and Health Premium)
- $5,781.96
- CPP
- $4,230.45
- CPP2
- $416.00
- EI
- $1,123.07
- Net pay for the year
- $67,196.92
| Period | Gross | Net |
|---|---|---|
| Monthly | $7,500.00 | $5,599.74 |
| Semi-monthly | $3,750.00 | $2,799.87 |
| Biweekly | $3,461.54 | $2,584.50 |
| Weekly | $1,730.77 | $1,292.25 |
| Hourly (40 h × 52 wk) | $43.27 | $32.31 |
- Average income tax rate
- 18.93%
- Average rate including CPP and EI
- 25.34%
- Marginal income tax rate
- 29.65%
- Kept from the next $1,000 of pay
- $703.50
An estimate from 2026 rates. Employer payroll withholding uses the CRA’s own formulas and your TD1 forms, so your pay stub can differ.
Calculated on this device. These inputs are not submitted to Sora.
How the calculation works
Take-home pay = gross pay − federal and Ontario income tax − CPP − CPP2 − EI − any RRSP contribution. Income tax uses the 2026 brackets, the basic personal amounts, the Ontario surtax and the Ontario Health Premium. Taxable income is gross pay less the first additional part of CPP (1%), CPP2 and your RRSP contribution; the base part of CPP (4.95%) and EI each earn a credit at the lowest bracket rate. Pay per period is the annual figure divided by 12, 24, 26 or 52, or by hours worked for an hourly rate.
A worked example
At an illustrative $90,000 a year, CPP is $4,230.45, CPP2 is $416.00 and EI is $1,123.07, so taxable income is $88,873. Federal tax is $11,251.60 and Ontario tax, including surtax and the Health Premium, is $5,781.96, for $17,033.56 of income tax. Net pay is $67,196.92 a year, or $5,599.74 a month and $2,584.50 every two weeks. A $10,000 RRSP contribution would lower income tax by $2,965.00, so net pay falls by $7,035.00 rather than $10,000.
Assumptions and limits
This is an estimate, not a pay stub. Employers withhold using the CRA’s payroll formulas and the TD1 forms you file, so your own cheque can differ. The tool assumes one employer for a full year and leaves out the Canada employment amount, the credits you claim on your TD1 forms, registered pension plan contributions, group benefit premiums, union dues, taxable benefits, commissions and other income. It does not apply to Quebec, which has its own plans and rules. If your pay changes during the year or you have more than one job, the real figures move. For a salary above the CPP, CPP2 or EI ceilings, deductions stop part-way through the year, so each cheque late in the year can be larger than the average shown here.
General educational information. Inputs stay on this device and are not submitted. Confirm the assumptions before using a result in a business decision.
Source and further reading
2026 figures checked October 24, 2026 against the CRA pages: CRA: tax rates and income brackets for 2026; CRA: T4127 payroll deductions formulas (federal and Ontario amounts, surtax and Health Premium); CRA: CPP contribution rates, maximums and exemptions; CRA: CPP2 contribution rates and maximums; CRA: EI premium rates and maximums; CRA: Schedule 8, Canada Pension Plan contributions and overpayment (base and enhanced split). The examples above use Sora’s own illustrative figures.
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