Use this free calculator to find out exactly how much you take home after federal income tax, Ontario provincial tax, CPP, and EI deductions in 2025. Enter your gross annual salary and get a full breakdown instantly.
Annual Take-Home Pay:
Ontario residents pay two layers of income tax: federal tax to the CRA, and provincial tax to the Ontario government. On top of that, CPP contributions and EI premiums come off every paycheque. Here's the full picture.
| Income Range | Rate |
|---|---|
| $0 – $57,375 | 15% |
| $57,376 – $114,750 | 20.5% |
| $114,751 – $158,519 | 26% |
| $158,520 – $220,000 | 29% |
| Over $220,000 | 33% |
The federal basic personal amount for 2025 is $16,129, which reduces your federal tax by $2,419.
| Income Range | Rate |
|---|---|
| $0 – $51,446 | 5.05% |
| $51,447 – $102,894 | 9.15% |
| $102,895 – $150,000 | 11.16% |
| $150,001 – $220,000 | 12.16% |
| Over $220,000 | 13.16% |
Ontario's basic personal amount is $11,141, saving you $562 in provincial tax.
CPP deductions in 2025 are 5.95% on earnings between $3,500 and $68,500, for a maximum of $3,867.50. There is also a second CPP tier (CPP2) at 4% on earnings between $68,500 and $73,200. EI premiums are 1.64% on insurable earnings up to $63,200, capping at $1,049.12.
| Gross Salary | Federal Tax | Ontario Tax | CPP+EI | Take-Home |
|---|---|---|---|---|
| $50,000 | ~$5,053 | ~$2,037 | ~$3,578 | ~$39,332 |
| $75,000 | ~$11,178 | ~$4,638 | ~$4,917 | ~$54,267 |
| $100,000 | ~$17,678 | ~$7,040 | ~$4,917 | ~$70,365 |
| $150,000 | ~$31,178 | ~$14,682 | ~$5,098 | ~$99,042 |
After taxes and deductions, every dollar counts. KOHO's no-fee account means you stop paying $15-$30/month in bank fees. Plus cash back on groceries and gas. Use code 45ET55JSYA for a bonus.
Get KOHO Free — Use Code 45ET55JSYAOntario charges a surtax of 20% on provincial tax above $5,315 and 36% on provincial tax above $6,802. Higher earners pay this on top of the regular provincial rates shown above.
Yes. Ontario charges a health premium ranging from $0 (under $20,000) up to $900 (over $200,600). This is separate from the provincial income tax.
Your employer remits CPP, EI, and income tax every paycheque using CRA's payroll tables. Your annual tax return reconciles any difference.