Free calculator · 2026 rates

Ontario Take-Home Pay Calculator 2026

Find out what lands in your bank account. Enter your annual salary and pay frequency to see 2026 deductions and your net pay per paycheque.

Take-home pay per paycheque

$0 a year · $0 a month

Take-homeIncome taxCPPEIRRSP

Gross pay per paycheque$0

Income tax$0

CPP + CPP2$0

EI$0

RRSP$0

Net pay$0

Per-paycheque amounts are annual totals divided evenly. In practice CPP, CPP2 and EI stop once you reach the annual maximums, so later paycheques can be larger.

How this calculator works

CPP: 5.95% of earnings between $3,500 and $74,600 (maximum $4,230.45). CPP2: 4% of earnings between $74,600 and $85,000 (maximum $416).
EI: 1.63% of insurable earnings up to $68,900 (maximum $1,123.07).
Income tax uses the same 2026 federal and Ontario engine as our income tax calculator. Actual payroll withholding may differ slightly.

Important

Results are estimates for general information, based on 2026 federal and Ontario figures verified October 27, 2026. Federal Budget 2026 (November 5, 2026) may change some amounts. Your actual tax depends on credits, deductions and circumstances not captured here.

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Frequently asked questions

Why does my paycheque get bigger later in the year?

Once you reach the annual CPP, CPP2 and EI maximums, those deductions stop for the rest of the calendar year, so net pay increases.

Does an RRSP contribution through payroll reduce tax withheld?

Yes. Group RRSP contributions deducted at source reduce the income tax withheld on each paycheque, instead of waiting for a refund.

Is CPP2 deductible?

Yes. CPP2 contributions, and the enhanced portion of regular CPP, are claimed as a deduction, while the base CPP portion is a non-refundable credit.

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