Ontario Take-Home Pay Calculator 2026
Estimate net pay in Ontario using the CRA's own payroll formulas: federal and provincial income tax, CPP contributions and EI premiums. Everything is computed in your browser, and the estimate links back to CRA's official calculator.
Works offline — your inputs never leave this device. How that works
- CPP: ($2,500.00 − $134.62 exemption) × 5.95% = $140.74
- EI: $2,500.00 × 1.63% = $40.75
- Annual taxable income: $65,000.00 − $0.00 deductions − $615.00 enhanced CPP (F5) = $64,385.00
- Federal: $64,385.00 × 20.5% − $3,804.00 − credits (BPA $16,452.00, CPP/EI, employment amount) = $6,220.88/yr
- Ontario: $64,385.00 × 9.15% − $2,210.00 − credits = $2,786.99/yr
- Health premium: $600.00/yr
This applies the CRA T4127 annualized method with the basic personal amounts only. Extra TD1 credits, taxable benefits, and commission income change the result. CRA’s Payroll Deductions Online Calculator ↗ is the official check.
Verified 2026-07-31 against CRA T4127, Payroll Deductions Formulas - 122nd Edition, Effective January 1, 2026 (Chapter 4 BPAF formula; Chapter 8 Tables 8.1, 8.2, 8.3-8.6 CPP, 8.7 EI) (effective 2026-01-01)
Verified 2026-07-31 against CRA T4127, Payroll Deductions Formulas - 122nd Edition, Effective January 1, 2026 (Chapter 4 Step 5 Ontario factors V1, V2, S; Chapter 8 Tables 8.1 and 8.2) (effective 2026-01-01)
Estimate only — not legal, tax, or financial advice. Only the CRA can determine your actual amounts.
Official source: CRA — Payroll Deductions Online Calculator ↗
Ontario paycheque questions
How much tax is deducted from a paycheque in Ontario?
Federal and Ontario income tax are withheld using the CRA's T4127 payroll formulas, along with CPP and EI premiums. The amounts depend on gross pay, pay frequency, and the credits claimed on your TD1 forms. Enter your figures above for an estimate.
What is the Ontario basic personal amount?
Ontario sets its basic personal amount at $12,989 for 2026, applied as a credit at the lowest provincial rate of 5.05%. The federal basic personal amount applies separately and phases down at higher incomes.
Why does this differ from my actual pay stub?
This applies the basic personal amounts only. Extra TD1 credits, pension adjustments, taxable benefits, union dues, and employer plans all change the result. The CRA's Payroll Deductions Online Calculator is the official reference and is linked with every estimate.
Other provinces
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