Ontario Take-Home Pay Calculator

How the Ontario salary calculator works

This Ontario salary calculator asks for three things. Annual gross salary is your pay before any deductions. RRSP contributions this year is optional; anything you enter is subtracted from taxable income, the way the CRA treats it at filing time. Show take-home pay per lets you view the result monthly, semi-monthly, bi-weekly, weekly or annually.

Behind the scenes it applies the 2026 federal brackets and Ontario's five provincial brackets, subtracts the federal and Ontario basic personal amounts as credits, adds Ontario's surtax where it applies, and deducts CPP and EI. The result shows each deduction, your average tax rate and your marginal rate on the next dollar.

It assumes you are an Ontario resident employee with no other credits. It does not add the Ontario Health Premium, which is collected through payroll, so subtract that separately using the table further down.

What makes Ontario different: the surtax and the Health Premium

Two Ontario features catch people out. Neither exists in most other provinces.

The Ontario surtax

Once your basic Ontario tax passes about $5,800, you pay an extra 20% on the amount above that line, and a further 36% once it passes about $7,500. In practice the surtax starts to bite at incomes of roughly $95,000 to $100,000 and is why Ontario's top combined rate reaches 53.53%. The calculator includes it.

The Ontario Health Premium

Ontario residents with taxable income over $20,000 pay a Health Premium on their tax return, and employers deduct it from pay. It is $0 up to $20,000, rises to $300 at about $25,000, $450 at about $38,500, $600 at about $48,600, $750 at about $72,600 and caps at $900 above about $200,600. A $75,000 earner pays $750 a year, or $62.50 a month.

Low-income relief

The Ontario tax reduction and the LIFT credit (Low-income Individuals and Families Tax credit) can reduce or eliminate Ontario tax for lower earners. They are claimed on your return, so the calculator may overstate tax for incomes under about $50,000.

Worked example: $75,000 salary in Toronto

If the same person puts $5,000 into an RRSP, the calculator shows deductions falling to about $16,129 and take-home rising to about $58,871 once the refund is counted. That is roughly $1,480 back for a $5,000 contribution.

1. Federal tax. Tax on $75,000 through the federal brackets, minus the 14% credit on the basic personal amount, CPP and EI, comes to about $8,518.
2. Ontario tax. Ontario's brackets give about $3,724 after its own credits. Basic Ontario tax is below the surtax line, so no surtax applies.
3. CPP. 5.95% of earnings between $3,500 and $74,600, plus 4% on the $400 above that, is about $4,246.
4. EI. 1.63% of insurable earnings up to $68,900 is about $1,123.
5. Result. $75,000 minus $17,612 in deductions leaves about $57,388 a year, $4,782 a month or $2,207 every two weeks. Take off the $750 Health Premium and you are near $56,640.