Ontario Salary Calculator
Estimate how federal and Ontario income tax, CPP and EI can affect your take-home pay, and compare an Ontario job offer with another Canadian offer.
Estimate Your Take-Home PayHow much of your salary do you take home in Ontario?
Your gross salary is the amount you earn before payroll deductions. Your take-home pay is the amount remaining after estimated deductions such as federal income tax, Ontario provincial income tax, CPP and EI.
The exact result depends on annual income, applicable tax rules, payroll deductions and individual circumstances.
OfferWorth helps you estimate these deductions for salary and job offer comparison purposes.
Common deductions from an Ontario salary
- Federal income tax
- Ontario provincial income tax
- CPP contributions
- EI premiums
- Other employer deductions, where applicable
How is Ontario salary after tax estimated?
A simple way to understand estimated take-home pay is:
Canadian income tax is progressive, so different portions of taxable income may be subject to different tax rates.
Credits, contribution limits and individual circumstances can also affect actual payroll results.
Why Ontario salary calculations include two levels of income tax
Employees in Ontario may pay both federal income tax and Ontario provincial income tax.
This is one reason the same gross salary may produce a different estimated take-home amount in Ontario compared with another Canadian province.
When comparing job offers across provinces, it can therefore be useful to compare estimated net pay rather than gross salary alone.
What are CPP and EI?
CPP stands for Canada Pension Plan. Eligible employees generally make CPP contributions through payroll, subject to annual rules and contribution limits.
EI stands for Employment Insurance. Eligible employees generally pay EI premiums through payroll deductions.
CPP and EI are not provincial income taxes, but both can affect the amount of salary received as take-home pay.
Can you compare an Ontario offer with a job in another province?
Yes. This is one of the main reasons OfferWorth was created.
For example, you may want to compare:
- An Ontario offer with an Alberta offer
- An Ontario offer with a Saskatchewan offer
- An Ontario offer with a British Columbia offer
- Two Ontario offers with different salaries or pay schedules
OfferWorth places the two offers side by side and estimates federal and provincial tax, CPP, EI and take-home pay using the same comparison format.
Does pay frequency change the salary comparison?
Pay frequency determines how annual salary is divided across the year.
Common schedules include weekly, biweekly, semi-monthly and monthly payroll.
Two jobs with the same annual salary can therefore show different amounts per paycheque when they use different pay schedules.
Frequently asked questions
How is take-home pay calculated in Ontario?
Start with gross employment income and subtract estimated federal income tax, Ontario provincial income tax, CPP contributions and EI premiums.
Does Ontario have provincial income tax?
Yes. Ontario employees may have both federal income tax and Ontario provincial income tax deducted from employment income.
Are CPP and EI included in Ontario take-home pay estimates?
Yes. CPP and EI are common payroll deductions and may reduce take-home pay.
Can I compare an Ontario job offer with another province?
Yes. OfferWorth can compare Canadian job offers across provinces using estimated payroll deductions and take-home pay.
Estimate your Ontario take-home pay
Compare salary, estimated tax, CPP, EI and take-home pay with another Canadian job offer.
Open OfferWorthOfferWorth provides estimates for comparison and planning purposes only. It is not tax, legal or financial advice and does not replace official payroll, CRA or professional tax calculations.