How take-home pay works in Ontario
Ontario income includes federal tax plus provincial tax and additional provincial adjustments. This means net salary can differ significantly from other provinces even with the same gross income.
Ontario surtax and health premium
Ontario applies surtax and the Ontario Health Premium at certain income levels. These extra deductions increase the effective tax rate especially for middle and high salaries.
Payroll deductions
CPP and EI apply the same way across Canada and reduce take-home pay before you receive your salary.
Use the calculator
The main calculator estimates your final take-home income instantly including federal + provincial tax and payroll deductions.