Ontario Salary Calculator — Paycheck & Take-Home Pay (2026)
What an Ontario salary or hourly rate actually pays, after federal and provincial tax, CPP and EI — with the health premium and surtax included.
2026 rates · Last reviewed: August 31, 2026
Every pay stub · 2026
Every pay stub
All amounts in Canadian dollars (CAD). CPP and EI come off every stub until you hit the yearly maximum, then they stop — so your later stubs are bigger. Most calculators hide this by showing an average.
| This pay stub | Year to date | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| # | Pay date | Gross | Tax | CPP | EI | Take-home | Gross | CPP | EI | Net |
Annual summary
What Ontario takes, and what makes it different
Four things come off an Ontario paycheque: federal income tax, Ontario income tax, CPP and EI. That much is true everywhere outside Quebec. What makes Ontario its own case is the two extra charges layered on top of the provincial rate — a health premium that steps rather than scales, and a surtax charged on your tax rather than your income. Neither shows as a separate line on most pay stubs, and together they are why an Ontario result does not match a generic Canadian one.
Ontario income tax rates for 2026
| Taxable income | Rate on that portion |
|---|---|
| First $53,891 | 5.05% |
| $53,891 to $107,785 | 9.15% |
| $107,785 to $150,000 | 11.16% |
| $150,000 to $220,000 | 12.16% |
| Over $220,000 | 13.16% |
The Ontario basic personal amount is $12,989 for 2026, which shelters that much income from provincial tax as a credit at 5.05%. The federal basic personal amount is separate and larger, up to $16,452.
These are the rates on taxable income, which is not the same as your salary. The enhanced portion of CPP and any CPP2 come off first as a deduction, which is why the calculator above does not simply apply these percentages to your gross.
The Ontario Health Premium: a staircase, not a slope
Ontario charges a health premium through the income tax system. It is not a percentage. It is a set of flat amounts that jump at fixed income levels, which means a small raise can cost you $150 at exactly the wrong moment.
| Taxable income | Premium |
|---|---|
| Up to $20,000 | Nothing |
| $20,000 to $36,000 | Up to $300 |
| $36,000 to $48,000 | Up to $450 |
| $48,000 to $72,000 | Up to $600 |
| $72,000 to $200,000 | Up to $750 |
| Over $200,000 | Up to $900 |
The premium phases in over a narrow band at each threshold rather than appearing all at once, so a salary just above a line pays only part of the step. But the effect is real: crossing from $71,000 to $73,000 adds $150 of premium on top of the ordinary tax on those $2,000.
It is collected as part of your Ontario tax, so you will not find a line called “health premium” on your pay stub. It is inside the provincial tax figure.
The Ontario surtax: a tax charged on your tax
This is the part that surprises people, and almost no calculator explains it. Ontario charges a surtax on the provincial tax you owe, not on your income.
For 2026, once your basic Ontario tax passes $5,818 you pay an extra 20% on the amount above that line. Once it passes $7,446 the rate on the excess becomes 56% in total. Because it is charged on tax rather than income, it does not map neatly onto a salary figure — but in practice it starts to appear around $100,000 of salary and grows quickly after that.
| Salary | Surtax | Health premium | Take-home |
|---|---|---|---|
| $60,000 | Nothing | $600 | $47,340 |
| $80,000 | Nothing | $750 | $60,303 |
| $100,000 | $26 | $750 | $74,206 |
| $120,000 | $525 | $750 | $87,454 |
| $150,000 | $1,730 | $750 | $105,100 |
| $200,000 | $3,959 | $750 | $133,018 |
Read the surtax column downward. It is nothing at $80,000, $569 at $120,000 and nearly $4,000 at $200,000. That is the single largest reason a high Ontario salary keeps less than the headline bracket suggests.
Minimum wage in Ontario, as an annual salary
Ontario’s general minimum wage rose to $17.95 an hour on 1 October 2026, up from $17.60. The student rate, for students under 18 working limited hours, is $16.90.
| Rate and hours | Gross a year | Take-home | A month |
|---|---|---|---|
| $17.95 × 40 hrs | $37,336 | $30,911 | $2,576 |
| $17.95 × 37.5 hrs | $35,003 | $29,225 | $2,435 |
| $17.95 × 30 hrs | $28,002 | $23,987 | $1,999 |
| $16.90 student × 40 hrs | $35,152 | $29,126 | $2,427 |
Minimum wage is assessed per pay period, not per hour worked, and most employees are covered whether they are full-time, part-time, casual, salaried or paid by commission or piece rate. A few jobs are exempt or have special rules.
CPP and EI in Ontario
These are federal, so Ontario employees pay the same as everyone outside Quebec. For 2026, CPP is 5.95% on earnings between the $3,500 exemption and the $74,600 ceiling, to a maximum of $4,230.45. A second tier, CPP2, takes 4% of earnings between $74,600 and $85,000, to a further $416. EI is 1.63% of insurable earnings up to $68,900, a maximum of $1,123.07.
Both stop once you hit the annual maximum, which is why a paycheque late in the year is larger than one in January on the same salary. Quebec is the exception in Canada — it runs QPP and QPIP at different rates — but Ontario follows the federal schedule exactly.
Working in Toronto: what changes, and what does not
Nothing on your pay stub. Toronto levies no municipal income tax — no Canadian city does — so a Toronto salary calculator is simply the Ontario calculation. On $90,000 your federal tax, Ontario tax, health premium, surtax, CPP and EI come out identical whether you work downtown, in Thunder Bay or in Kingston. Any site offering a separate paycheck calculator for Toronto is offering you this same arithmetic under a different heading.
What the city does change sits outside payroll entirely. Toronto is the only municipality in Ontario that charges its own Municipal Land Transfer Tax, levied on top of the provincial one when you buy a home, which roughly doubles the land transfer tax on a purchase. Property tax rates, transit fares and rent differ as well. None of it touches the deduction lines above — which is the honest answer to what take-home pay in Toronto really means. The number is the same as the rest of Ontario; what it buys is not.
Frequently asked questions
What is $60,000 a year after tax in Ontario?
About $47,340 a year, or roughly $3,945 a month, once federal tax, Ontario tax, the health premium, CPP and EI are taken off. That assumes the basic personal amounts and no other credits.
What is $80,000 after tax in Ontario?
About $60,303, or roughly $5,025 a month. The health premium at this level is $750 and the surtax has not yet started.
What is minimum wage in Ontario in 2026?
$17.95 an hour from 1 October 2026, up from $17.60. At 40 hours a week that is about $37,336 a year gross and roughly $30,911 after deductions.
Why is my Ontario tax higher than the bracket rate suggests?
Two reasons specific to Ontario: the health premium, which is a flat amount stepped by income, and the surtax, which is charged on your provincial tax rather than your income and adds up quickly above roughly $100,000 of salary.
Does Ontario have a different CPP or EI rate?
No. CPP and EI are federal and identical across Canada outside Quebec, which runs its own QPP and QPIP.
Is this the same as the CRA payroll calculator?
No. The CRA’s Payroll Deductions Online Calculator is built for employers working out what to withhold and remit. This page answers the employee’s question instead. Our Canada-wide pay stub calculator sets out which tool suits which job.
Other provinces, and the rest of the picture
To compare Ontario against another province, or to see a full pay stub broken down by period, use the Canada-wide salary and pay stub calculator, which covers all thirteen jurisdictions. There are also dedicated pages for Quebec, British Columbia and Alberta Nova Scotia and Saskatchewan. For annual income tax rather than per-paycheque deductions, use the Canada income tax calculator. If you are checking a stub you have already been given, our guide to checking a Canadian pay stub walks through it line by line.
Sources. Ontario tax brackets, the basic personal amount, the health premium and the surtax thresholds are published by the Canada Revenue Agency, which administers Ontario’s income tax. Minimum wage rates are set by the Government of Ontario under the Employment Standards Act. CPP and EI figures are CRA.
CRA — 2026 tax rates and brackets ·
Ontario — minimum wage ·
CRA — CPP rates ·
CRA — EI rates
An estimate, not advice. This applies published 2026 rates to the figures you enter and assumes only the basic personal amounts. Your own credits, other income and deductions will move the result. See our disclaimer.