How much tax is taken off a paycheck in Ontario?

Ontario employees pay federal tax (14%–33% brackets), Ontario provincial tax (5.05%–13.16%), CPP up to $4,230.45, CPP2 up to $416 if applicable, and EI up to $1,123.07. Combined effective rate on $75,000 is typically 22–26%.

Is Toronto tax different from the rest of Ontario?

No. Provincial income tax rates are the same across Ontario. Toronto employees pay the same Ontario withholding as Ottawa or Hamilton.

What is the Ontario tax rate in 2026?

Ontario brackets start at 5.05% up to $52,886, then 9.15%, 11.16%, 12.16%, and 13.16% on income above $220,000.

How do I calculate bi-weekly pay in Ontario?

Divide annual net (after all deductions) by 26. Enter your gross as annual or per-period and select bi-weekly — this calculator handles the math.

Is this the PDOC calculator?

No — this is an independent Ontario paycheck estimate. For official CRA calculations, use PDOC at canada.ca.

Everyday

Ontario Paycheck Calculator 2026

Ontario take-home pay calculator — estimate net pay after CPP, EI, federal and Ontario provincial tax. Toronto, Ottawa, bi-weekly & monthly. Free, private.

100% client-side — your data never leaves this tab

100% client-side — your salary never leaves this tab

Ontario paycheck calculator — includes Ontario provincial tax brackets and 13% HST province context. Toronto, Ottawa, and all ON employees use the same provincial rates.

Income entered asGross salary (CAD/year)Pay frequencyProvince / territory

Take-home pay

Take-home (bi-weekly): $2,274.95
Gross per pay period: $2,884.62
Annual take-home: $59,148.98
Annual gross: $75,000.00
Effective tax rate: 21.13%
Marginal tax rate (fed + prov): 23.15%

Annual deductions

CPP (annual)

$4,246.45

Including CPP2

$16.00

EI (annual)

$1,123.07

Federal tax (annual)

$7,444.99

Provincial tax (annual)

$3,036.51

Take-home78.9%
Federal tax9.9%
Provincial tax4.0%
CPP5.7%
EI1.5%

Per-paycheck breakdown

Gross pay$2,884.62

CPP$162.71

CPP2$0.62

EI$43.20

Federal tax$286.35

Provincial tax$116.79

Net take-home pay$2,274.95

Estimate only — not financial or tax advice

This is an independent estimate for informational purposes only, not financial or tax advice. Actual payroll deductions are determined by the CRA and your employer using official withholding tables. For official calculations, use the CRA's Payroll Deductions Online Calculator (PDOC). Rates current for 2026.

Calculations happen in your browser — your salary never leaves your device.

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What is Ontario Paycheck Calculator 2026?

Ontario Paycheck Calculator (2026) estimates net take-home pay for employees in Toronto, Ottawa, Hamilton, and across Ontario. Ontario uses a progressive provincial tax (5.05% to 13.16%) plus federal tax, CPP, CPP2, and EI. Enter your gross salary, choose bi-weekly or any pay frequency, and see per-paycheck and annual net pay instantly. Ontario also uses 13% HST on purchases — pair with our GST/HST calculator. 100% client-side; your salary stays private.

Ontario salary data is calculated locally — nothing is uploaded.

How to use Ontario Paycheck Calculator 2026

1Enter your Ontario gross salary (annual or per pay period).
2Select pay frequency — bi-weekly is most common in Ontario workplaces.
3Review Ontario provincial tax alongside federal tax, CPP, and EI.
4Compare net pay at different salary levels for budgeting in the GTA or elsewhere in ON.

Examples

$80,000 Toronto, bi-weekly

Ontario provincial tax on top of federal — net roughly $2,400–$2,600/pay

$100,000 Ottawa, semi-monthly

Higher marginal Ontario rate (9.15%–11.16%) on upper income bands

Tips & common mistakes

Ontario basic personal amount for 2026 is $12,747 — reduces provincial tax owed.
Ontario does not have a separate provincial health premium in this calculator — actual payroll may include OHIP-related items not modeled here.
Toronto and Ottawa use the same Ontario provincial tax rates — city does not change withholding.

Who uses this tool?

Estimating take-home pay for a Toronto or GTA job offer.
Budgeting rent and expenses from bi-weekly Ontario paychecks.
Comparing Ontario net pay vs Alberta or BC at the same gross salary.

Frequently asked questions

How much tax is taken off a paycheck in Ontario?: Ontario employees pay federal tax (14%–33% brackets), Ontario provincial tax (5.05%–13.16%), CPP up to $4,230.45, CPP2 up to $416 if applicable, and EI up to $1,123.07. Combined effective rate on $75,000 is typically 22–26%.
Is Toronto tax different from the rest of Ontario?: No. Provincial income tax rates are the same across Ontario. Toronto employees pay the same Ontario withholding as Ottawa or Hamilton.
What is the Ontario tax rate in 2026?: Ontario brackets start at 5.05% up to $52,886, then 9.15%, 11.16%, 12.16%, and 13.16% on income above $220,000.
How do I calculate bi-weekly pay in Ontario?: Divide annual net (after all deductions) by 26. Enter your gross as annual or per-period and select bi-weekly — this calculator handles the math.
Is this the PDOC calculator?: No — this is an independent Ontario paycheck estimate. For official CRA calculations, use PDOC at canada.ca.