The calculation in brief
In Ontario, a salary is first subject to contributions: the Canada Pension Plan (CPP) and Employment Insurance (rate of 1.63% in this province). Then come provincial tax — brackets: 5.05% ≤ $53,891 · 9.15% ≤ $107,785 · 11.16% ≤ $150,000 · 12.16% ≤ $220,000 · 13.16% above $220,000; basic personal amount: $12,989 — and federal tax. Ontario adds its surtax, the Ontario Health Premium, the Ontario tax reduction and the LIFT credit for low-income workers — all shown in the breakdown. The enhanced part of the pension contribution is deducted from taxable income, federally and provincially. The list above shows every step with your own numbers.
Frequently asked questions
Why is my actual net pay different late in the year?
Pension and Employment Insurance contributions have annual maximums. Once reached, they stop being withheld and net pay goes up. This calculator shows the annual average per pay; the annual totals are what matter.
Is the Ontario Health Premium included?
Yes. It is calculated under its own schedule ($0 to $900 depending on taxable income) and appears in the breakdown, in the Ontario tax step — along with the surtax, the Ontario tax reduction and the LIFT credit.
Is my data sent anywhere?
No. The calculation runs entirely in your browser: the salary you enter never leaves your device and no account is required.
I have a target net in mind: what gross should I ask for?
Use the reverse tool, Net to gross: enter the net you want and it calculates the gross salary to ask for.