Free calculator
Ontario Paycheck Calculator
Estimate Ontario take-home pay with federal tax, CPP, EI, Ontario tax, surtax, and the Ontario health premium.
The Ontario paycheck calculator exists because the province adds its own premium and surtax logic to the payroll picture.
Last updated
2026-04-20
Primary market: Canada
This page is designed to give a fast, readable estimate without replacing a payslip or payroll system.
Always confirm important figures with your employer, payroll provider, accountant, or tax authority.
Methodology
We apply the federal Canada payroll estimate first.
Ontario income tax is added on top of the federal layer.
The Ontario health premium and surtax approximation are included where the salary moves into those ranges.
Assumptions
The Canada calculator annualizes pay first, applies the relevant tax rules, and then converts the result back to the selected pay frequency.
Recurring deductions are estimated on a per-pay-period basis.
TakeHome Grid provides estimates for informational purposes only and does not replace a payslip or employer payroll system.
Federal, Ontario, and Alberta payroll references reflect CRA 2026 payroll deduction tables.
Canada page supports Ontario, Alberta, and a federal-only fallback estimate for launch. Other provinces can be added later through region overrides.
Worked example
Ontario example
Gross pay: CAD 3,200 biweekly
Province: Ontario
Status: Single
The tax breakdown separates the Ontario-specific layer so the user can see why take-home pay changes.
Disclaimer
TakeHome Grid provides estimates for informational purposes only and does not provide tax, payroll, accounting, or legal advice.
Always verify withholding, deductions, and take-home pay with your employer, payroll software, accountant, or tax authority before making decisions.
Rules, credits, and thresholds can change, so important figures should always be checked against current employer or tax authority information.
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FAQ
Why is Ontario tax more than the headline tax rate?
The estimate can include the Ontario health premium and surtax once income reaches the relevant ranges.
Is TD1 claim-code logic included?
No. Personal amounts are simplified into a flat credit-style estimate.