Ontario Take-Home Pay Calculator
Calculate your net salary after Ontario provincial taxes, federal taxes, CPP, and EI deductions. Updated with the latest 2025 tax rates.
Calculate Your Ontario Take-Home Pay
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Your 2025 Ontario Salary Breakdown
Annual Net Pay
$0.00
Monthly Net Pay
$0.00
Bi-Weekly Net Pay
$0.00
Detailed Breakdown
- Gross Pay (Annual): $0.00
- Federal Tax: -$0.00
- Ontario Tax: -$0.00
- CPP & EI Deductions: -$0.00
- Total Deductions: -$0.00
- Net Pay (Take-Home): $0.00
Average Tax Rate
0.00%
Overall tax burden
Marginal Tax Rate
0.00%
Tax on next dollar earned
Understanding Your Ontario Payroll Taxes
Ontario Provincial Income Tax 2025
Ontario has a progressive tax system with five tax brackets. The provincial basic personal amount for 2025 is $12,747.
2025 Ontario Tax Brackets:
- $0 - $52,886: 5.05%
- $52,886 - $105,775: 9.15%
- $105,775 - $150,000: 11.16%
- $150,000 - $220,000: 12.16%
- Over $220,000: 13.16%
Ontario Health Premium (OHIP)
Ontario residents pay a health premium based on their taxable income. This premium helps fund Ontario's healthcare system.
2025 Health Premium Rates:
- $20,000 or less: $0
- $20,001 - $36,000: 0.6% of income over $20,000
- $36,001 - $48,000: $300 + 0.6% of income over $36,000
- $48,001 - $72,000: $450 + 0.25% of income over $48,000
- $72,001 - $200,000: $600 + 0.25% of income over $72,000
- Over $200,000: $900 (maximum)
Federal Income Tax 2025
All Ontario residents also pay federal income tax. The federal basic personal amount for 2025 is $16,129.
CPP Contributions 2025
- Rate: 5.95%
- Max earnings: $71,300
- Max contribution: $4,034.10
EI Premiums 2025
- Rate: 1.64%
- Max earnings: $65,700
- Max premium: $1,077.48
Example: $75,000 Salary in Ontario
Here's how a $75,000 annual salary breaks down in Ontario for 2025:
Annual Breakdown
- Gross Salary: $75,000
- Federal Tax: -$8,894
- Ontario Tax: -$3,193
- CPP: -$4,034
- EI: -$1,077
- Health Premium: -$600
- Net Take-Home: $57,202
Monthly & Bi-Weekly
- Monthly Net: $4,767
- Bi-Weekly Net: $2,200
- Average Tax Rate: 23.7%
- Marginal Tax Rate: 24.2%
What this means: For every additional dollar you earn, you'll keep approximately 76 cents after taxes.
How Your Salary Compares in Ontario
According to Statistics Canada and various salary surveys, here are the average salaries across different Ontario regions and industries:
By Major Cities (2025)
- Toronto: $62,050
- Ottawa: $58,400
- Mississauga: $55,800
- Hamilton: $52,300
- London: $49,200
- Windsor: $47,800
By Experience Level
- Entry Level (0-2 years): $35,000 - $45,000
- Mid-Level (3-5 years): $50,000 - $70,000
- Senior (6-10 years): $70,000 - $95,000
- Management (10+ years): $90,000 - $120,000+
Quick Salary Facts for Ontario
Where Does Your Money Go?
Visual breakdown of your salary after Ontario taxes and deductions
Compare Your Salary Across Canada
Based on your annual gross income of $75,000, here's how your take-home pay compares in other Canadian provinces:
| Province | Gross Pay | Total Deductions | Net Pay | Tax Rate |
|---|
Frequently Asked Questions - Ontario
What is the Ontario Health Premium and do I have to pay it?
The Ontario Health Premium (OHIP) is a tax that helps fund Ontario's healthcare system. If your taxable income is over $20,000, you'll pay between $0 and $900 annually, depending on your income level. The premium is automatically deducted from your paycheck if you're employed.
How does Ontario's tax rate compare to other provinces?
Ontario has moderate tax rates compared to other provinces. For a $75,000 salary, Ontario's combined federal and provincial tax rate is approximately 23.7%, which is lower than Quebec (28.5%) but higher than Alberta (20.7%). The exact rate depends on your specific income level.
What is Ontario's surtax and when do I pay it?
Ontario charges a surtax on provincial income tax. You pay 20% surtax on provincial tax over $5,710, and an additional 16% on provincial tax over $7,307. This only applies to higher-income earners and is automatically calculated in your payroll deductions.
Can I reduce my Ontario taxes with RRSP contributions?
Yes! RRSP contributions reduce your taxable income for both federal and Ontario taxes. For every dollar you contribute to an RRSP, you save about 24-53 cents in taxes (depending on your marginal tax rate). Use our advanced calculator above to see the impact of RRSP contributions on your take-home pay.
How often are Ontario tax rates updated?
Ontario tax brackets are typically updated annually for inflation. The Ontario government usually announces changes in their spring budget. Our calculator is updated immediately when new rates are released to ensure accuracy for the current tax year.
What's the difference between gross pay and net pay in Ontario?
Gross pay is your salary before any deductions. Net pay (take-home pay) is what you actually receive after federal taxes, Ontario taxes, CPP, EI, and Ontario Health Premium are deducted. In Ontario, you typically keep about 70-80% of your gross salary, depending on your income level.