Ontario workers take home approximately 84-86% of gross salary after all deductions. On a $65,000 salary, expect to pay federal income tax, Ontario provincial tax (5.05%-13.16%), CPP contributions of up to $4,243, and EI premiums of up to $1,049. Ontario is unique in charging an additional Health Premium of up to $900 annually on incomes above $20,000, plus a surtax on higher provincial tax amounts. The average Ontario salary is $64,300, with the energy and tech sectors driving higher incomes in Toronto and Ottawa.
This tool estimates federal tax, Ontario provincial tax (including surtax in the model), CPP, and EI only — it does not add the Ontario Health Premium to results; treat example take-home figures as illustrative.
Ontario Health Premium is not included in this calculator’s tax/CPP/EI estimate.
Bi-weekly take-home
$2,062
Annual net income: $53,611
Where your salary goes
| Gross salary | $70,000 |
| Federal tax | −$7,658 |
| Provincial tax (Ontario) | −$3,697 |
| CPP contribution | −$3,957 |
| EI premium | −$1,077 |
| Annual net | $53,611 |
| Bi-weekly net | $2,062 |
Same gross ($70,000) across five provinces.
| Province | Net annual | Effective rate | vs ON |
|---|---|---|---|
| Ontario | $53,611 | 23.4% | — |
| British Columbia | $53,730 | 23.2% | +$118 |
| Alberta | $52,408 | 25.1% | -$1,203 |
| Quebec | $49,003 | 30.0% | -$4,609 |
| Saskatchewan | $51,407 | 26.6% | -$2,205 |
Green row = highest estimated net among these five (same inputs).
| Deduction | Rate | Maximum |
|---|---|---|
| Federal Income Tax | 15% – 33% | Progressive |
| Ontario Provincial Tax | 5.05% – 13.16% | Progressive |
| CPP Contributions | 5.95% | $4,243/year |
| Employment Insurance | 1.66% | $1,049/year |
| Ontario Health Premium | Up to $900 | $900/year |
| Gross salary | Estimated take-home | Effective rate |
|---|---|---|
| $45,000 | ~$36,200 | ~19.6% |
| $65,000 | ~$49,800 | ~23.4% |
| $85,000 | ~$62,100 | ~26.9% |
| $100,000 | ~$71,500 | ~28.5% |
On a $65,000 salary in Ontario, you can expect to take home approximately $49,800 after federal tax, Ontario provincial tax, CPP contributions of up to $4,243, EI premiums of up to $1,049, and the Ontario Health Premium. Your effective tax rate would be approximately 23.4%.
The Ontario Health Premium is an additional provincial tax charged on incomes above $20,000. It ranges from $0 to $900 per year depending on your income. At $65,000 income, you pay approximately $600. It is automatically deducted through payroll.
Ontario payroll deductions include federal income tax, Ontario provincial income tax (5.05%–13.16%), CPP contributions (5.95% up to $4,243/year), Employment Insurance (1.66% up to $1,049/year), and the Ontario Health Premium (up to $900/year).
Ontario has some of Canada's higher combined tax rates, particularly due to its surtax system and Health Premium. At $65,000 income, Ontario residents take home about 84-86% of gross salary, compared to about 88% in Alberta which has no surtax or health premium.
Educational estimates only. Not payroll or CRA advice.