Find out your exact Toronto and Ontario take-home pay. On a $100,000 salary, you'd take home about $6,059 a month after federal tax, Ontario tax, the Ontario Surtax, the Ontario Health Premium, CPP/CPP2, and EI, an effective deduction rate of roughly 27.3%. Enter any gross salary below for your exact figures, bracket by bracket.
Top federal rate
33%
above $258,482
Top Ontario rate
13.16%
above $220,000
Ontario Surtax
up to 56%
marginal, on ON tax
CPP + CPP2 cap
$4,646
2026 combined max
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
$72,710
Per month
$6,059
Per week
$1,398
Effective tax rate
27.3%
How your $100,000 is split
$72,710
72.7%
$14,393
14.4%
$7,128
7.1%
$5,770
5.8%
| Gross salary | $100,000 |
| Federal tax | -$14,393 |
| Ontario tax | -$6,285 |
| Ontario Surtax | -$93 |
| Ontario Health Premium | -$750 |
| CPP | -$4,230 |
| CPP2 | -$416 |
| EI | -$1,123 |
| Total deductions | -$27,290 |
| Net take-home (annual) | $72,710 |
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.
You're paying two separate income taxes on the same paycheque, not one blended Canadian rate. Federal tax and Ontario tax are each calculated on your full taxable income using their own five-bracket schedules, then added together, and each level applies its own Basic Personal Amount as a credit that shrinks what you owe rather than a chunk of income you don't pay tax on at all.
The Ontario Surtax and the Ontario Health Premium are where a lot of the confusion lives, because neither one is a tax on your income directly. The Surtax is a tax on your Ontario tax payable: once that figure crosses $5,818 you pay 20% extra on the amount over it, and a second 36% layer kicks in above $7,307, stacking to an effective 56% marginal rate on Ontario tax above that point. The Health Premium is a separate step function based on taxable income, ramping up through several plateaus to a $900 annual cap, and it isn't indexed, so it's stayed the same dollar amounts since 2004.
CPP2 is the newest piece of this puzzle. Once your income clears the Year's Maximum Pensionable Earnings ($74,600 for 2026), a second 4.00% CPP2 contribution kicks in on top of base CPP, up to a higher ceiling. Anyone earning above roughly $75,000 sees both CPP and CPP2 on their pay stub, alongside EI, which is capped separately at its own earnings ceiling.
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You pay federal income tax and Ontario provincial income tax as two separate calculations on the same taxable income, then add them together. For 2026, federal rates run from 14% to 33% across five brackets, and Ontario rates run from 5.05% to 13.16% across five brackets. Each level has its own Basic Personal Amount that reduces the tax you owe, applied as a credit at the lowest rate rather than as a straight deduction from income.
The Ontario Surtax is an extra tax on top of your Ontario tax payable, not on your income directly. For 2026, once your basic Ontario tax exceeds $5,818 you pay a 20% surtax on the amount over that threshold, and once it exceeds $7,307 you pay an additional 36% on the amount over that second threshold. The two tiers stack, so the marginal surtax rate on Ontario tax above $7,307 is effectively 56%. It typically starts applying once your taxable income is in the mid-$70,000s range.
The Ontario Health Premium is a separate annual charge based on your taxable income, layered on top of income tax and the surtax. It's a step function, not a flat percentage: it starts at $0 below $20,000 of taxable income and ramps up through several plateaus to a maximum of $900 per year once taxable income passes roughly $200,600. Most full-time Ontario tech salaries land at or near the $750-$900 range.
CPP2 is a second, additional layer of Canada Pension Plan contributions introduced in 2024, on top of base CPP. Base CPP charges 5.95% on earnings between a $3,500 exemption and the Year's Maximum Pensionable Earnings (YMPE) of $74,600 for 2026, capping at $4,230.45. CPP2 then charges an extra 4.00% on earnings between that $74,600 YMPE and a higher ceiling, the Year's Additional Maximum Pensionable Earnings (YAMPE) of $85,000 for 2026, capping at $416.00. Anyone earning above roughly $75,000 will see both deductions on their pay stub.
No. This calculator models federal tax combined with Ontario provincial tax only. Every other province and territory sets its own income tax brackets, its own Basic Personal Amount, and its own surtax or premium rules (British Columbia, Alberta, and Quebec, for example, all differ significantly from Ontario). If you work outside Ontario, treat this as a federal-tax-only approximation and expect your actual take-home to differ.
Yes. Employment Insurance (EI) employee premiums are 1.63% of insurable earnings for 2026, capped at the Maximum Insurable Earnings (MIE) of $68,900. That caps the maximum employee EI premium at $1,123.07 per year, no matter how much you earn above that threshold.
The calculator uses 2026 CRA federal rates, Ontario Ministry of Finance provincial rates, and current CPP/CPP2/EI figures, applied to standard T4 employment income. It does not account for RRSP contributions, union dues, employer benefits, or other credits and deductions that could change your actual net pay. Always verify with the CRA or a tax professional for precise figures.
Related reading
Go deeper on the mechanics behind these numbers, or see how Ontario stacks up against the UK.
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