Enter your Ontario salary and see the full split — federal tax, Ontario provincial tax, surtax, health premium, CPP and EI — down to the dollar.
Ontario is one of the more complex provinces to estimate take-home pay for, because provincial tax isn't just a straightforward bracket calculation. On top of the five-bracket schedule (5.05% to 13.16%), higher earners also pay an Ontario surtax, and nearly everyone pays the Ontario Health Premium — a separate charge unique to this province.
This calculator folds both of those into the “Provincial tax” line automatically, alongside CPP and EI, so the number you see reflects everything actually withheld from an Ontario paycheck, not just the base bracket rate.
Calculate a salary above to compare it across all provinces and territories.
| Deduction | 2026 rate | Ceiling |
|---|---|---|
| Federal income tax | 14%–33% | — |
| Provincial/territorial tax | varies | — |
| CPP (or QPP in Quebec) | 5.95% / 6.30% | $74,600 |
| CPP2 / QPP2 (second tier) | 4.00% | $85,000 |
| EI (or QPIP in Quebec) | 1.63% / ~0.43% | $68,900* |
*Quebec's QPIP uses a separate, higher insurable-earnings ceiling; figure shown is the EI ceiling used elsewhere in Canada.
It's a separate charge unique to Ontario, layered on top of provincial income tax, ranging up to $900 a year depending on income. It's automatically included in the “Provincial tax” line for Ontario results.
Ontario applies an additional surtax once your provincial tax before credits crosses certain thresholds, on top of the regular five-bracket schedule. Like the Health Premium, it's already folded into the provincial tax figure shown.
QPP (Quebec Pension Plan) only applies to Quebec. Every other province and territory, including Ontario, uses the federal CPP program instead — this calculator switches automatically based on the province selected.
The brackets and Health Premium figures reflect published 2026 rates at the time of writing. Tax brackets are typically indexed annually, so always confirm exact figures with the CRA or a tax professional before filing.
This calculator reflects Ontario's 2026 published bracket thresholds and rates at the time of writing. Provincial brackets are typically indexed annually, so always confirm exact current figures with the CRA or a tax professional before filing.
CPP is calculated per pay period based on that period's earnings, using the annual exemption spread evenly across the year. If your pay varies — bonuses, raises, irregular hours — your per-paycheck CPP can differ slightly from a simple annual estimate until it evens out over the year.
No — the Ontario Health Premium shown in your results is the only health-related payroll charge from the province. Some employers offer optional long-term disability (LTD) insurance as a separate paycheck deduction, but that's employer-specific, not a provincial tax.