A IoT / Embedded Systems Engineer earning the median salary of CA$115K in Canada takes home approximately $82,636/year ($6,886/month) after federal and Ontario income tax, CPP, and EI, using 2026 rates.
IoT / Embedded Systems Engineer take-home pay across the salary range
Ontario resident employee, federal + provincial rates. 2026 rates.
Entry (P25)
$111,000
gross/year
Take-home
$80,152
$6,679/month
Total tax
$30,848
27.8% effective rate
Breakdown
Fed+ON Tax: $25,078
CPP+EI: $5,770
Median
$115,000
gross/year
Take-home
$82,636
$6,886/month
Total tax
$32,364
28.1% effective rate
Breakdown
Fed+ON Tax: $26,595
CPP+EI: $5,770
Senior (P75)
$118,000
gross/year
Take-home
$84,446
$7,037/month
Total tax
$33,554
28.4% effective rate
Breakdown
Fed+ON Tax: $27,785
CPP+EI: $5,770
Adjust for your actual salary
The table above uses the IoT / Embedded Systems Engineer median. Enter your own gross salary below for a precise figure.
Federal + Ontario (ON) provincial tax only. Other provinces and territories have different brackets, surtaxes, and health levies — this calculator does not model them.
2026 tax year
Federal Basic Personal Amount: $16,452 (tapers above $181,440). Ontario Basic Personal Amount: $12,989. Includes Ontario Surtax, Ontario Health Premium, CPP/CPP2, and EI.
Common salaries:
Annual take-home pay
$82,636
Per month
$6,886
Per week
$1,589
Effective tax rate
28.1%
How your $115,000 is split
$82,636
71.9%
$17,468
15.2%
$9,127
7.9%
$5,770
5.0%
| Gross salary | $115,000 |
| Federal tax | -$17,468 |
| Ontario tax | -$7,802 |
| Ontario Surtax | -$575 |
| Ontario Health Premium | -$750 |
| CPP | -$4,230 |
| CPP2 | -$416 |
| EI | -$1,123 |
| Total deductions | -$32,364 |
| Net take-home (annual) | $82,636 |
Calculations use 2026 federal and Ontario tax rates, CPP/CPP2, and EI figures. Models Federal + Ontario (ON) provincial tax only — other provinces and territories have different brackets and levies and are not covered. Does not account for RRSP contributions, employer benefits, or other credits and deductions. For precise figures, consult the CRA or a tax professional.
A IoT / Embedded Systems Engineer earning the median salary of CA$115K in Canada takes home approximately $82,636 per year ($6,886 per month) after federal and Ontario income tax, CPP, and EI, using 2026 rates.
On a median IoT / Embedded Systems Engineer salary of CA$115K, the effective deduction rate (federal tax, Ontario tax, CPP, and EI combined) is 28.1%, leaving $82,636 as take-home pay.
On a CA$115K salary, a IoT / Embedded Systems Engineer contributes approximately $4,646 per year to CPP and CPP2 combined, capped at the 2026 Year's Additional Maximum Pensionable Earnings of $85,000.
Employment Insurance is 1.63% of insurable earnings up to the 2026 Maximum Insurable Earnings of $68,900, capped at $1,123.07 per year for a IoT / Embedded Systems Engineer at this salary level.
The Ontario Surtax adds 20% on Ontario tax payable above $5,818, and a further 36% above $7,307 (the two tiers stack). At CA$115K, this surtax applies and increases the effective provincial tax rate.
A senior IoT / Embedded Systems Engineer earning CA$118K (P75 of the salary range) takes home approximately $84,446 per year ($7,037 per month) after federal and Ontario tax, CPP, and EI, with an effective tax rate of 28.4%.
A junior IoT / Embedded Systems Engineer earning CA$111K (P25 of the salary range) takes home approximately $80,152 per year ($6,679 per month) after federal and Ontario tax, CPP, and EI, with an effective tax rate of 27.8%.
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