Ontario Take-Home Pay Calculator
Ontario is the only province that charges a surtax, and the only one that takes a health premium off your cheque. Your cheque is not the same size all year: CPP and EI stop once they hit their annual maximums, so your later cheques are bigger. This calculator uses CRA’s per-period method rather than dividing a yearly figure by 26.
Step 1 of 2
What lands in your account in Ontario
$2,427.77
per cheque until cheque 22
$2,566.28
after that — $138.51 more a cheque
Your deductions stop when they hit their annual maximum: EI after cheque 22, CPP after 23.
Every cheque of 2026rows that change are marked
| # | Gross | Tax | CPP | EI | Net |
|---|---|---|---|---|---|
| 1 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 2 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 3 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 4 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 5 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 6 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 7 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 8 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 9 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 10 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 11 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 12 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 13 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 14 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 15 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 16 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 17 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 18 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 19 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 20 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 21 | $3,269.23 | $601.66 | $186.51 | $53.29 | $2,427.77 |
| 22 | $3,269.23 | $601.66 | $186.51 | $3.98 | $2,477.08 |
| 23 | $3,269.23 | $597.59 | $150.92 | $0.00 | $2,520.72 |
| 24 | $3,269.23 | $572.18 | $130.77 | $0.00 | $2,566.28 |
| 25 | $3,269.23 | $572.18 | $130.77 | $0.00 | $2,566.28 |
| 26 | $3,269.23 | $572.18 | $130.77 | $0.00 | $2,566.28 |
Ontario: $2,427.77 per cheque, rising to $2,566.28.
Paid every two weeks? Two months a year carry three cheques. Worth knowing which, before you budget around them.
See what you could advance- 2026rates, verified
- 26 / 24biweekly or twice a month
- CRAmatched to the cent
Ontario tax rates for 2026
| Taxable income | Rate |
|---|---|
| $0 to $53,891 | 5.05% |
| $53,891 to $107,785 | 9.15% |
| $107,785 to $150,000 | 11.16% |
| $150,000 to $220,000 | 12.16% |
| over $220,000 | 13.16% |
- Basic personal amount: $12,989
- Surtax on provincial tax above $5,818 at 20%, and above $7,446 at a further 36%
- A health premium of up to $900 a year is withheld inside the income tax line
- A low-income tax reduction applied in payroll rather than at filing
Federal tax applies on top, at 14% to $58,523 and rising to 33% above $258,482, with a basic personal amount of $16,452 that tapers away above $181,440.
A tax on your tax, in two stacking layers
The Ontario surtax does not apply to your income. It applies to your provincial tax, which is why it is invisible in a bracket table.
Above $5,818 of provincial tax you pay a further 20%. Above $7,446 you pay another 36% on top of that — the two layers stack, so the marginal surtax past the second threshold is 56%.
Ontario’s own materials sometimes present this as a single 56% tier, which is a reasonable summary and a bad implementation note. Modelled as one band it produces the wrong number. The effective top marginal rate works out to 20.53%, not the 13.16% the bracket table shows.
The Ontario Health Premium is a payroll deduction
It is withheld at source, inside the income tax line on your pay stub, which is why most people never see it as a separate item.
It runs from nothing below $20,000 to a maximum of $900 a year above $200,600, in a series of steps with sharp ramps between them. Someone at $72,600 pays $750; someone at $71,000 pays $600.
It is not reduced by the Ontario Tax Reduction, and it is not indexed — the thresholds have not moved in years, so inflation pushes more people into higher bands each year without any change in law.
The Ontario Tax Reduction, applied in payroll
Ontario is one of only two provinces whose low-income reduction is applied in your withholding rather than at filing. The basic amount is $300, with more for dependants if you file a TD1ON.
The order matters and is easy to get wrong: basic tax, then credits, then surtax, then the reduction. So the personal amount shrinks the surtax base, and the reduction does not.
Frequently asked questions
What is the Ontario Health Premium and is it taken off my pay?
Yes, it is withheld at source inside the income tax line. It ranges from nothing below $20,000 to a maximum of $900 a year above $200,600, in steps. It is not reduced by the Ontario Tax Reduction and its thresholds are not indexed, so more people drift into higher bands each year.
How does the Ontario surtax work?
It applies to your provincial tax, not your income. Above $5,818 of provincial tax you pay a further 20%, and above $7,446 another 36% on top of that — the layers stack, giving a 56% marginal surtax and an effective top rate of 20.53%.
Why is Ontario’s effective top rate 20.53% and not 13.16%?
Because of the surtax. The 13.16% is the top bracket rate, but Ontario then charges 20% on provincial tax above $5,818 and a further 36% above $7,446. Those layers stack, multiplying the top rate by 1.56 to give 20.53%.
Why did my paycheque get bigger partway through the year?
Almost certainly because CPP or EI reached its annual maximum. Both are capped for the year but deducted at a flat rate each cheque, so they stop once you hit the cap — EI at $68,900 of earnings, CPP at $74,600.
Is biweekly pay better than semi-monthly for tax?
No. The difference in annual tax between 26 and 24 pay periods is about twelve cents. Pay frequency changes the size and timing of each cheque, not what you owe.
Sources
Every rate, threshold and formula on this page was verified against these primary sources. If a figure here disagrees with one of them, the source is right and we want to know.