Net pay from gross salary — five deductions, pay-frequency output, Ontario Health Premium included.
Most Ontario employees have a reasonable sense of their gross salary. Their actual take-home is often several thousand dollars lower than they expect — and the gap isn't explained by a single number. Federal income tax, Ontario provincial income tax, CPP contributions, EI premiums, and the Ontario Health Premium all come off the top independently, each governed by different rules, different thresholds, and different rate structures.
This calculator runs all five of those deductions in a single pass and returns your estimated net pay — annually, monthly, bi-weekly, or per pay period — so the full picture is visible before a job offer is signed or a budget is built.
Each deduction is calculated independently using 2026 rates:
The OHP is frequently omitted from generic salary calculators. Including it produces a net pay figure closer to what Ontario employees actually see on their paycheques.
Annual net pay figures can obscure the reality of day-to-day budgeting. Someone earning $75,000 gross might see $56,400 net annually — but whether their biweekly cheque is $2,169 or their monthly deposit is $4,700 depends on how their employer pays them. This calculator divides the annual net pay across the pay frequency you select: weekly, bi-weekly, semi-monthly, or monthly. The per-period output is the number most useful for actual household planning.
You enter a gross annual income. The calculator applies all five deductions in sequence using the 2026 rules for each, starting from taxable income and working through to the net figure. Federal and provincial taxes are computed separately on the same taxable income base; CPP and EI are computed on employment earnings; OHP is computed on Ontario taxable income. The outputs are summed to produce total annual deductions and total net pay, then divided by the selected pay frequency.
All constants — brackets, rates, personal amounts, CPP thresholds, EI maximums, OHP steps — are stored in a single configuration file. There are no hardcoded values scattered through the calculation logic.
The most common use cases are straightforward: comparing two job offers stated in gross salary terms, checking whether a gross number meets a monthly budget target, or quickly understanding how much of a salary increase will actually land as additional take-home. The pay-frequency output is useful for employees paid bi-weekly who want to know what a new gross salary means per cheque, without doing the deduction math manually.
All rates used in this calculator come from 2026 CRA and Ontario government publications:
This tool is maintained by the Calc-HQ.ca network — an independent Canadian financial utility publisher focused on browser-based tools for Canadian employees and taxpayers. Questions or corrections can be directed to partnerships@calc-hq.ca.
Results are estimates based on the 2026 basic personal amounts and standard full-year employment. These are not modelled and will affect actual take-home pay:
For employer payroll calculations, use the CRA's Payroll Deductions Online Calculator at canada.ca. For tax preparation, consult a qualified tax professional.
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