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How to use the Canada Paycheck Calculator
- 1Enter your annual salary or hourly wage.
- 2Choose your province or territory and how often you are paid.
- 3See federal and provincial tax, CPP/QPP, EI and your take-home pay per paycheck.
Ontario income tax brackets 2026
Ontario has 5 tax brackets, from 5.05% to 13.16%, and a basic personal amount of $12,989 (income below this is effectively tax-free provincially). Ontario also charges a surtax on higher provincial tax and the Ontario Health Premium (up to $900 a year), both included in the calculator.
| Taxable income | Ontario rate |
|---|---|
| $0 – $53,891 | 5.05% |
| $53,891 – $107,785 | 9.15% |
| $107,785 – $150,000 | 11.16% |
| $150,000 – $220,000 | 12.16% |
| Over $220,000 | 13.16% |
Federal income tax brackets 2026
Everyone pays federal tax on top of provincial tax. The lowest federal rate fell to 14% from July 2025, and the basic personal amount is $16,452 in 2026.
| Taxable income | Federal rate |
|---|---|
| $0 – $58,523 | 14% |
| $58,523 – $117,045 | 20.5% |
| $117,045 – $181,440 | 26% |
| $181,440 – $258,482 | 29% |
| Over $258,482 | 33% |
Ontario take-home pay at common salaries
Employee paid every two weeks, no RRSP contributions, 2026 rates:
| Salary | Federal tax | Provincial + OHP | CPP & EI | Take-home / year | Every 2 weeks |
|---|---|---|---|---|---|
| $40,000 | $2,691 | $1,671 | $2,824 | $32,814 | $1,262.06 |
| $50,000 | $3,985 | $2,288 | $3,582 | $40,145 | $1,544.04 |
| $60,000 | $5,338 | $2,982 | $4,340 | $47,340 | $1,820.76 |
| $75,000 | $8,259 | $4,446 | $5,370 | $56,926 | $2,189.45 |
| $100,000 | $13,302 | $6,723 | $5,770 | $74,206 | $2,854.08 |
| $150,000 | $25,302 | $14,608 | $5,770 | $104,320 | $4,012.30 |
Ontario vs nearby provinces
Take-home pay on a $75,000 salary:
| Province / territory | Take-home / year | Average rate |
|---|---|---|
| Ontario ★ | $56,926 | 24.1% |
| Manitoba | $55,024 | 26.63% |
| Quebec | $53,689 | 28.41% |
Take-home pay by province
Frequently asked questions
How much is $75,000 after tax in Ontario?
About $56,926 a year ($4,744 a month): federal tax $8,259, Ontario tax $4,446, CPP $4,246 and EI $1,123. That ranks #6 of 13 provinces and territories for take-home pay at this salary.
What is the Ontario basic personal amount for 2026?
$12,989. Combined with the federal basic personal amount of $16,452, this is the income on which you pay no income tax.
How much are CPP and EI in 2026?
CPP is 5.95% of earnings between $3,500 and $74,600, plus 4% (CPP2) between $74,600 and $85,000. EI is 1.63% of earnings up to $68,900 (1.30% in Quebec). Quebec workers pay QPP (6.3%) and QPIP (0.43%) instead.