Ontario Paycheque Calculator: See Your Take-Home Pay (2026)

Working part-time in Ontario? This calculator estimates what you’ll take home after CPP, EI, federal tax, and Ontario tax are deducted. Use it to compare job offers, plan your month, or see how extra hours change your net pay.

What it calculates

  • Gross pay (hourly wage × hours worked)
  • CPP deduction
  • EI premium
  • Federal income tax withheld
  • Ontario income tax withheld
  • Net pay per paycheque

How to use it

  • Enter your hourly wage (example: $17.60)
  • Enter hours per pay period (example: 80 hours bi-weekly)
  • Pick your pay frequency (weekly, bi-weekly, semi-monthly, monthly)
  • Enter your TD1 claim amount (default: $16,452 — the 2026 Federal Basic Personal Amount)

Ontario Paycheque Estimator (2026)

Enter your wage, hours, and pay frequency to estimate average take-home pay across a full year in Ontario.

2026 rates • Ontario • Outside Quebec EI

Inputs

Auto-updates
Enter a valid hourly wage (0 or higher).
Enter valid hours per pay period (0 or higher).
We annualize your pay using this number of pay periods.
Choose a pay frequency.
Used as a federal non-refundable tax credit (default: Federal Basic Personal Amount for 2026).
Enter a valid claim amount (0 or higher).
Default: $12,989 Ontario basic personal amount for 2026. Use your TD1ON total if different.
Enter a valid Ontario claim amount (0 or higher).
Disclaimer: This is an estimator, not a guaranteed pay stub. Real payroll depends on CRA formulas, TD1/TD1ON details, taxable benefits, company deductions (RRSP, union dues, benefits), and your year-end T4. This estimate assumes steady pay for a full year, standard CPP/EI coverage, and no extra deductions. It includes all five tax brackets, CPP2, the Canada employment credit, Ontario surtax, health premium, and the basic Ontario tax reduction. Extra dependant reductions and year-to-date payroll timing are outside this estimate.

Estimated Paycheque Breakdown

Per Pay Period
Gross Pay (Per Pay Period)$0.00
CPP Deduction (including CPP2)$0.00
EI Deduction$0.00
Federal Tax Withheld$0.00
Ontario Tax (including health premium)$0.00
Total Deductions$0.00
Net Pay (Take-Home)$0.00

Rates checked for 2026 against CRA’s Ontario payroll guide. For a specific payroll run, use CRA’s Payroll Deductions Online Calculator.

About the TD1 claim

Not sure what to enter? Many students leave it at $16,452 (basic personal amount). If you filled out a TD1 form at work, use the amount you claimed there for a closer match.

Why your paycheque might look different

  • Vacation pay, overtime, or stat holiday pay
  • RRSP contributions, union dues, or benefits deductions
  • Two jobs (each employer withholds separately)
  • A different TD1 setup than what you entered

Quick tip: If you work extra shifts for a short stretch, payroll often withholds more tax because it calculates as if you’ll earn that higher amount all year.

Ontario Paycheque Calculator FAQ

Is this accurate for Ontario students?

It estimates average take-home pay for steady work using 2026 rates. CPP2, Ontario surtax, the health premium, and standard credits are included. Actual paycheques vary with year-to-date contributions, benefits, and employer deductions.

Do students pay CPP and EI?

Most employees do unless a specific exemption applies.

What if I work two jobs?

Each employer withholds tax on what you earn with them. Your combined income can push you into a higher bracket, so you might owe at tax time. Run the calculator once per job to compare.

What if I’m in Quebec?

This calculator uses Ontario tax and standard EI (outside Quebec). Quebec has QPP and different rates, so the numbers won’t match.

How are higher incomes handled?

All five federal and Ontario tax brackets are included. The default federal basic personal amount is reduced at higher incomes. Annual CPP, CPP2, and EI are spread evenly over the selected pay periods, so use CRA’s payroll calculator for the deductions on a particular paycheque.

Disclaimer

This is an estimator, not a guaranteed pay stub. Real payroll depends on CRA calculations, your TD1/TD1ON, taxable benefits, employer deductions, and your year-end T4.