Your Take Home Pay
Enter your gross income and click Calculate to see your take-home pay breakdown.
Example Calculation: $80,000 Annual Salary
Estimated take-home for an Ontario employee earning $80,000 gross, paid bi-weekly, using 2026 rates.
| Component | Amount |
|---|---|
| Gross Income | $80,000.00 |
| Federal Tax | −$10,292.73 |
| Ontario Tax | −$4,454.52 |
| CPP + CPP2 | −$4,230.45 |
| EI | −$1,123.07 |
| Take-Home Pay | $58,933.23 |
What This Calculator Does
This calculator estimates your take-home pay as an Ontario employee. It applies 2026 federal income tax, Ontario provincial income tax, CPP contributions (CPP1 and CPP2), EI premiums, and the Ontario Health Premium to your gross salary. Federal and Ontario basic personal amounts are applied automatically. Results show your estimated net pay per pay period, monthly, and annually. No other credits or deductions are assumed.
Calculation Methodology
Uses 2026 CRA federal and Ontario provincial rates with progressive brackets. Basic personal amounts are applied as non-refundable credits. CPP1 and CPP2 contributions are calculated to annual maximums. EI premiums apply on insurable earnings up to the annual ceiling. The Ontario Health Premium is applied by income tier. Other credits and deductions are not included.
For detailed questions and additional guidance, visit our FAQ page.