Take-Home Pay Calculator (2026)
Enter your salary and see what actually lands in your account after tax, CPP and EI — including the Ontario surtax and health premium most calculators leave out.
Your take-home pay
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What your take-home pay actually is
Your take-home pay is your gross salary minus federal tax, provincial tax, CPP and EI. On a $65,000 Ontario salary in 2026, that lands a little over $50,000 net — roughly 22–24% comes off before it reaches you. The exact bite depends on your province and how far your income climbs into the higher brackets.
Two Ontario-specific line items catch people out. The surtax adds 20% and then 36% on top of your basic Ontario tax once it passes $5,818 and $7,446, and the Ontario Health Premium adds up to $600 once your income clears $20,000. Both are built into the number above, so what you see is closer to your real paycheque than a plain bracket calculator.
Common questions
What is the Ontario surtax and when does it apply in 2026?
Ontario adds a surtax on top of your basic Ontario tax — not on your income. In 2026 you pay 20% on the portion of basic Ontario tax above $5,818, and another 36% on the portion above $7,446. Because it stacks on the tax rather than the income, it only starts biting around the low-six-figure salary range. This calculator applies both thresholds automatically.
How do I work out my take-home pay per biweekly paycheque?
Take your annual net pay and divide by 26 for biweekly, or by 52 for weekly. A $1,680 net biweekly paycheque is about $43,680 net per year before rounding. Set the pay frequency above and the calculator shows the per-paycheque number for you.
What gets deducted from my net pay in 2026?
Federal income tax, provincial income tax, CPP (5.95% up to $74,600 in pensionable earnings, plus CPP2 on earnings to $85,000), and EI (1.63% up to $68,900 of insurable earnings). In Ontario you may also owe the surtax and the Ontario Health Premium. The breakdown above splits out every line.
Does this calculate take-home pay on pension income?
Not exactly. This models employment income, where CPP and EI are withheld. Pension income isn't subject to CPP or EI, so its take-home is higher for the same gross. Use this for salary and wages, and treat it as an upper bound for pension income.