Canada · Calculator

Ontario Salary Calculator 2026

Enter your pay and TD1 amounts to see an Ontario pay stub after federal and Ontario tax, the Ontario Health Premium, CPP and EI for tax year 2026.

Tax year 2026 · CRA T4127 Payroll Deductions Formulas (2026 edition), including the Ontario tables; CRA for CPP; Employment and Social Development Canada / CRA for EI · checked 29 September 2026Sources

Each province and territory has its own page and its own income tax. Payroll uses the province where you report for work.

Your gross pay before any tax or deduction: a yearly salary or an hourly rate.

Pay type

Salary is an amount per year; hourly is an amount per hour.

Shown for hourly pay. Your usual total hours in a week.

How often you are paid: weekly (52 pays a year), biweekly (every two weeks, 26), semi-monthly (twice a month, 24) or monthly (12).

The total claim amount from your federal Form TD1, Personal Tax Credits Return. Left as is, it is the federal basic personal amount (CRA T4127, 2026).

The total claim amount from Form TD1ON, Ontario Personal Tax Credits Return. Left as is, it is the Ontario basic personal amount (CRA T4127, 2026).

More deductions RRSP, union dues

Amounts your employer takes from pay and sends to a group or individual RRSP. They reduce the income used for federal and Ontario tax at source, but not the earnings used for CPP or EI (CRA T4127, 2026).

Dues your employer deducts from pay. They reduce the income used for tax at source, but not the earnings used for CPP or EI (CRA T4127, 2026).

More provinces and territories are being added. Union dues in Quebec are not included yet.

Ontario: federal tax, Ontario tax with the Ontario surtax where it applies, the Ontario Health Premium, CPP and EI, worked out with the CRA T4127 formulas for 2026.

Net pay per pay period live

$2,068.04

$53,786.81 a year · 26 pays

  • Gross pay per pay period$2,692.31
  • Federal tax−$279.93
  • Ontario tax−$148.28
  • CPP−$152.18
  • CPP2$0.00
  • EI premium−$43.88
  • Net pay per pay period$2,068.04

Estimate for tax year 2026 based on CRA T4127 Payroll Deductions Formulas (2026 edition), including the Ontario tables; CRA for CPP; Employment and Social Development Canada / CRA for EI. Not tax, legal or financial advice. Your employer's payroll may differ.

Compare two scenarios

Put an Ontario salary next to the same pay in Alberta or British Columbia to see the difference in provincial tax per pay, and share the link that keeps both.

A wool coat hanging above a desk with a blank paper form, snow falling outside the window.

How it works

An Ontario pay stub has federal tax, Ontario tax, the Ontario Health Premium, CPP and EI taken off. The calculator follows the CRA T4127 Payroll Deductions Formulas (2026 edition): it takes your gross pay for one period, subtracts RRSP contributions made through payroll and union dues, projects that amount over the year, works out annual federal and Ontario tax, subtracts the credits from your TD1 and TD1ON claim amounts, and divides the result back into one pay. Ontario income tax is collected by the CRA with federal tax, so both come off the same pay stub and are settled on one return.

Federal tax. Federal brackets run from 14% on the first $58,523 of taxable income up to 33% above $258,482, with the basic personal amount of $16,452 and the Canada employment amount of $1,501 as credits (CRA T4127, 2026).

Ontario tax. Ontario has its own brackets, from 5.05% on the first $53,891 of taxable income up to 13.16% above $220,000, and its own basic personal amount of $12,989 (CRA T4127, 2026). The formula also applies the Ontario tax reduction for lower incomes, based on $300 (CRA T4127, 2026).

Ontario surtax. When basic Ontario tax is above $5,818, a surtax of 20% applies to the amount over it, and a further 36% applies to the amount of Ontario tax above $7,446 (CRA T4127, 2026). The surtax is charged on the tax itself, not on income, so it only appears at higher pay. On the pay stub it is part of the Ontario tax line.

Ontario Health Premium. The Ontario Health Premium is a separate amount based on taxable income for the year. There is none at or below $20,000, and it rises in steps to a maximum of $900 for taxable income above $200,600 (CRA T4127, 2026). Payroll takes it off in equal parts across the year's pays. It is not an OHIP fee or a charge for health care visits.

CPP. Employees pay 5.95% on earnings between the basic exemption of $3,500 and the YMPE of $74,600, and CPP2 of 4% on earnings between $74,600 and the YAMPE of $85,000 (CRA, CPP contribution rates, maximums and exemptions, 2026).

EI. Employment Insurance premiums are 1.63% of insurable earnings up to $68,900 for the year (Employment and Social Development Canada / CRA, 2026).

Not included: employer contributions (CPP and EI matching, and the Ontario Employer Health Tax, which employers pay and is not taken from your pay), taxable benefits, bonuses, commissions, vacation pay paid out separately, credits claimed only on your return, and any refund or balance owing when you file. Your employer's payroll may round differently.

Worked example

Take a $70,000 salary paid biweekly in Ontario, with the default TD1 and TD1ON claim amounts and no RRSP or union dues. Gross pay is $70,000 divided by 26 pays, which is $2,692.31. Federal tax is $279.93. Ontario tax, including any surtax, is $125.20, and the Ontario Health Premium is $23.08 per pay. CPP is $152.18 and CPP2 is $0.00, since CPP2 applies only to earnings above the YMPE of $74,600. EI is $43.88. Net pay is $2,068.04 per pay, or $53,786.81 over the year's 26 pays (CRA T4127, 2026).

Frequently asked questions

How much tax do I pay on $80,000 in Ontario?

It depends on your TD1 claim amounts and deductions. Enter 80,000 in the calculator to see federal tax, Ontario tax, the Ontario Health Premium, CPP and EI for 2026, worked out with the CRA T4127 formulas (2026).

What is the Ontario surtax?

It is an extra tax on basic Ontario tax, not on income: 20% of Ontario tax above $5,818, plus 36% of Ontario tax above $7,446 (CRA T4127, 2026). At lower pay there is no surtax.

How much is the Ontario Health Premium?

It depends on taxable income: none at or below $20,000, rising in steps to $900 a year above $200,600 (CRA T4127, 2026). It is taken off through payroll and settled on your return.

Is Ontario tax higher than in Alberta or BC?

It depends on the salary, since each province has different brackets, basic personal amounts and extras such as the Ontario surtax and Health Premium. Use "Compare two scenarios" to see the same pay in Ontario and Alberta or British Columbia side by side.

Why is my Ontario pay stub different from this estimate?

Common reasons are benefits, a workplace pension plan, TD1 or TD1ON claim amounts other than the basic ones, or CPP and EI stopping after the yearly maximum. Enter your TD1 totals, and open "More deductions" for RRSP or union dues, to match your pay stub more closely.