Ontario take-home pay in 2026: what you keep from your salary
How much of your salary you actually keep in Ontario in 2026, after federal tax, Ontario tax, CPP, CPP2 and EI, with a table for common salaries.
Four things come off an Ontario pay cheque: federal income tax, Ontario income tax (with the surtax and Ontario Health Premium on top), CPP and EI. For 2026 the federal government cut the lowest tax rate from 15% to 14% and raised the basic personal amount to $16,452, so most people keep a little more than last year.
We built the table below with the same rules our take-home pay calculator uses, so you can check any salary that isn't listed.
Take-home pay by salary
These figures assume one job, no other income and no deductions beyond the basic credits. Your own pay stub may differ by a few dollars because employers use CRA's payroll tables.
| Salary | Federal tax | Ontario tax | CPP + CPP2 | EI | Take-home | Every 2 weeks | Total deductions |
|---|---|---|---|---|---|---|---|
| $30,000 | $1,397 | $1,055 | $1,577 | $489 | $25,482 | $980 | 15.1% |
| $40,000 | $2,691 | $1,671 | $2,172 | $652 | $32,814 | $1,262 | 18.0% |
| $50,000 | $3,985 | $2,288 | $2,767 | $815 | $40,145 | $1,544 | 19.7% |
| $60,000 | $5,375 | $3,005 | $3,362 | $978 | $47,280 | $1,818 | 21.2% |
| $70,000 | $7,321 | $3,883 | $3,957 | $1,123 | $53,716 | $2,066 | 23.3% |
| $80,000 | $9,333 | $4,934 | $4,446 | $1,123 | $60,163 | $2,314 | 24.8% |
| $90,000 | $11,383 | $5,849 | $4,646 | $1,123 | $66,998 | $2,577 | 25.6% |
| $100,000 | $13,433 | $6,803 | $4,646 | $1,123 | $73,994 | $2,846 | 26.0% |
| $120,000 | $17,696 | $9,526 | $4,646 | $1,123 | $87,009 | $3,347 | 27.5% |
| $150,000 | $25,496 | $14,749 | $4,646 | $1,123 | $103,986 | $3,999 | 30.7% |
| $200,000 | $39,107 | $24,233 | $4,646 | $1,123 | $130,890 | $5,034 | 34.6% |
Example: a $70,000 salary
On a $70,000 salary you pay about $7,321 in federal tax, $3,883 in Ontario tax and health premium, $3,957 in CPP and $1,123 in EI. You keep about $53,716 a year, or roughly $2,066 every two weeks. If you got a raise, each extra dollar would be taxed at about 29.65%, so a $1,000 raise adds roughly $704 to your take-home pay before CPP and EI.
The 2026 figures we used
| Item | 2026 figure |
|---|---|
| Federal brackets | 14% to $58,523; 20.5% to $117,045; 26% to $181,440; 29% to $258,482; 33% above |
| Federal basic personal amount | $16,452 (reduced for incomes above $181,440) |
| Ontario brackets | 5.05% to $53,891; 9.15% to $107,785; 11.16% to $150,000; 12.16% to $220,000; 13.16% above |
| Ontario basic personal amount | $12,989 |
| Ontario surtax | 20% of Ontario tax above $5,818 plus 36% above $7,446 |
| Ontario Health Premium | $0 to $900, based on taxable income |
| CPP | 5.95% on earnings from $3,500 to $74,600 |
| CPP2 | 4% on earnings from $74,600 to $85,000 |
| EI | 1.63% on insurable earnings up to $68,900 |
Keeping more of it
The biggest lever for most people is the RRSP. A contribution comes off your taxable income, so on a $70,000 salary, where the combined rate is 29.65%, a $5,000 contribution saves about $1,480 in tax. If you're saving for a first home, the FHSA works the same way, up to $8,000 a year, and the money comes out tax-free when you buy.
Union dues, childcare and some moving costs are deductible too. And if your salary is above the CPP and EI ceilings, you'll notice your last few pay cheques of the year get bigger once you've hit the maximums.
Enter your exact salary and RRSP contributions to see your own take-home pay, monthly or bi-weekly.
Open the Take-Home Pay CalculatorFrequently asked questions
Why is my pay cheque different from this table?
Employers withhold tax using CRA payroll tables, and pay stubs may include benefits, pension plans, union dues or other deductions not covered here.
What is CPP2?
A second tier of Canada Pension Plan contributions introduced in 2024, charged at 4% on earnings between the first and second earnings ceilings.
Does the table apply to other provinces?
No. Federal figures apply everywhere, but each province has its own brackets and credits.