Ontario Payroll Calculator 2025
Calculate your take home pay after federal tax, Ontario provincial tax, CPP and EI deductions.
How to Use the Ontario Payroll Calculator
Our free Ontario payroll calculator helps employees and employers calculate take home pay after all deductions for 2025. Simply enter your income, select your pay period and click calculate to see your exact net pay.
How Ontario Payroll Deductions Work in 2025
When you receive your paycheque in Ontario, your employer deducts four things before you get paid. Federal income tax, Ontario provincial income tax, Canada Pension Plan contributions and Employment Insurance premiums. Understanding each deduction helps you plan your finances better.
Federal Income Tax in Ontario 2025
Canada uses a progressive federal tax system with five brackets in 2025. You pay 15% on the first $57,375 of taxable income, 20.5% on income between $57,375 and $114,750, 26% between $114,750 and $158,519, 29% between $158,519 and $220,000, and 33% on income above $220,000. Every Canadian also gets a basic personal amount of $15,705 which is tax free.
Ontario Provincial Tax 2025
On top of federal tax, Ontario residents pay provincial income tax. The Ontario tax brackets for 2025 start at 5.05% on the first $51,446, then 9.15% up to $102,894, 11.16% up to $150,000, 12.16% up to $220,000 and 13.16% above that. Ontario also has a basic personal amount of $11,865.
CPP Contributions 2025
The Canada Pension Plan contribution rate for employees in 2025 is 5.95% of your pensionable earnings. The maximum contribution is $3,867.50 per year. The first $3,500 of your income is exempt from CPP. These contributions go toward your retirement pension from the Canadian government.
EI Premiums 2025
Employment Insurance premiums in 2025 are 1.66% of your insurable earnings up to a maximum of $1,049.12 per year. EI provides temporary income support if you lose your job, go on maternity or parental leave, or need to care for a sick family member.
Ontario Minimum Wage 2025
The Ontario minimum wage in 2025 is $17.20 per hour. At 40 hours per week this works out to $35,776 per year before deductions. After federal tax, Ontario tax, CPP and EI, a minimum wage worker takes home approximately $29,800 per year.
Frequently Asked Questions
How much tax do I pay on $80,000 in Ontario?
On an $80,000 salary in Ontario in 2025 you pay approximately $19,066 in total deductions including federal tax, provincial tax, CPP and EI. Your take home pay would be approximately $60,934 per year or $5,078 per month.
How much tax do I pay on $60,000 in Ontario?
On a $60,000 salary in Ontario in 2025 you pay approximately $12,800 in total deductions. Your take home pay would be approximately $47,200 per year or $3,933 per month.
Is this calculator accurate for 2025?
Yes. This calculator uses the official 2025 federal and Ontario provincial tax brackets, CPP contribution rates and EI premium rates. Results are estimates and may vary slightly based on additional credits or deductions you may qualify for.