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Ontario paycheck calculator

Federal + provincial · Tax year 2026 · Estimates only · Reviewed 2026-07-21

Estimate Ontario take-home pay after Canadian federal tax, Ontario provincial tax, CPP, and EI.

Your inputs

Federal + provincial · Tax year 2026 · Estimates only

Province / Territory
Optional deductions (provident fund, other)

Estimated take-home

$1,939.41

per biweekly · tax year 2026 · reviewed 2026-07-22

~22.4% effective tax on gross

Federal taxable brackets (2026 CRA)

0Your income →
Gross pay
$2,500.00
Federal income tax (est.)
-$277.60
Provincial tax (est.)
-$101.49
CPP
-$140.74
EI
-$40.75
Net (take-home)
$1,939.41

Annual net ~ $50,424.75 · Annual gross ~ $65,000.00

How we calculate
  • Estimates only — not tax or payroll advice.
  • Federal tax uses 2026 CRA brackets (14%–33%) with BPA credit (~$16,452 × 14%).
  • Provincial model: brackets. Pre-tax deductions reduce income-tax bases only (not CPP/EI/QPP/QPIP).
  • Tax year 2026. Tables last reviewed: 2026-07-22.

Full methodology →

Example scenarios for Ontario

Use these as starting points — then adjust the calculator above to match your hours, benefits, and filing status.

  • Biweekly salary in Ontario

    Enter your biweekly gross with Ontario selected to see federal, provincial/territorial, CPP, and EI estimates. Try raising pre-tax deductions to see how contributions change net pay.

  • Hourly + overtime week

    Estimate overtime gross on the overtime calculator, then enter the combined period pay here to approximate taxes and contributions for a busy week.

    Ontario overtime calculator

  • Interprovincial offer compare

    Run the same salary on another province page (for example Ontario vs Alberta) to see how provincial tax estimates change take-home.

    Browse all provinces

Estimate Ontario take-home pay after Canadian federal tax, Ontario provincial tax, CPP, and EI.

Ontario uses progressive provincial brackets in this model. Pay frequency and pre-tax deductions change the per-cheque picture even when annual salary stays the same.

Figures are planning estimates (tax year 2026 reference), not official payroll from the CRA.

Federal + Ontario tax

We estimate federal tax using simplified CRA-style brackets and a basic personal amount, then add Ontario provincial tax using simplified provincial brackets and a personal amount estimate.

CPP and EI

CPP (including a simplified CPP2 component above YMPE) and EI premiums are estimated from annual pay and prorated to your pay period.

Overtime in Ontario

Ontario’s Employment Standards Act commonly uses overtime after 44 hours in a workweek at 1.5× for many employees, with important exceptions. Confirm your sector rules.

Example: biweekly Ontario salary

Enter your biweekly gross with Ontario selected to see federal, provincial, CPP, and EI estimates. Compare with Alberta if you are weighing interprovincial offers.

Also try the Ontario overtime calculator or the pay converter.

Frequently asked questions

Does Ontario have provincial income tax?

Yes. Ontario provincial tax is estimated here using a simplified bracket model on top of federal tax.

What are CPP and EI?

CPP is the Canada Pension Plan contribution and EI is Employment Insurance. Both are estimated and deducted in this calculator.

Is this CRA-certified?

No. Results are educational estimates only.

How is Ontario overtime calculated?

Many employees earn 1.5× after 44 hours/week under ESA rules, with exceptions. Use the overtime calculator for gross OT, then this tool for tax estimates.

Related guides

Other provinces & territories