Question 1

How accurate is this calculator?

Accepted Answer

NetCheque uses the official CRA T4127 Payroll Deductions Formulas—the same formulas used by payroll software across Canada. While we strive for accuracy, your actual paycheque may vary slightly due to employer-specific deductions or rounding.

Question 2

Is my pay information secure?

Accepted Answer

Yes. All calculations happen entirely in your browser. Your salary, deductions, and other financial data are never transmitted to our servers or stored anywhere.

Question 3

Which provinces and territories are supported?

Accepted Answer

We support all 13 Canadian provinces and territories: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, and Yukon.

Question 4

How often are the tax rates updated?

Accepted Answer

We update our tax rates annually based on official publications from the CRA, Revenu Québec, and Service Canada. Our 2026 rates are current as of January 2026.

Question 5

Is NetCheque free to use?

Accepted Answer

Yes, NetCheque is completely free. We cover our hosting costs through non-intrusive advertising and will never charge for access or hide features behind a paywall.

Question 6

What payroll deductions apply in Ontario?

Accepted Answer

In Ontario, your employer withholds federal income tax, Ontario provincial tax, CPP contributions, and EI premiums from each paycheque. These are remitted to the government on your behalf.

Question 7

What is CPP and how is it calculated?

Accepted Answer

CPP (Canada Pension Plan) is a mandatory pension contribution. In 2026, the employee rate is 5.95% on earnings between $3,500.00 to $74,600.00. There is also a second CPP contribution (CPP2) of 4.00% on earnings between $74,600.00 to $85,000.00.

Question 8

How is EI calculated?

Accepted Answer

Employment Insurance (EI) premiums are calculated at 1.63% on insurable earnings up to $68,900.00 in 2026. The maximum annual EI premium in Rest of Canada is $1,123.07.

Question 9

What is the TD1 form?

Accepted Answer

The TD1 (Personal Tax Credits Return) tells your employer how much tax to withhold. It includes your Basic Personal Amount and any other credits you claim. The higher your total claim, the less tax is withheld per paycheque.

Question 10

Why might my actual paycheque differ from this estimate?

Accepted Answer

Your employer may use different rounding, have additional deductions for benefits or pension plans, or apply special rules for bonuses. Year-to-date CPP/EI contributions also affect withholding as you approach annual maximums.

Question 11

How are bonuses taxed?

Accepted Answer

Bonuses and lump-sum payments are taxed using the "non-periodic" method. This calculates tax on your projected annual income including the bonus, then withholds the incremental tax on the bonus amount. This often results in higher withholding than regular pay.

Gross Salary	Federal Tax	Provincial Tax	CPP/EI	Net Pay
$30,000.00	$1,686.60	$1,159.08	$2,065.80	$25,088.52
$40,000.00	$3,086.52	$1,814.04	$2,823.72	$32,275.68
$50,000.00	$4,486.56	$2,469.12	$3,581.76	$39,462.60
$60,000.00	$5,982.60	$3,224.52	$4,339.80	$46,453.08
$70,000.00	$8,032.56	$4,139.52	$5,079.84	$52,748.04
$80,000.00	$10,082.64	$5,204.52	$5,569.56	$59,143.32
$90,000.00	$12,132.60	$6,119.52	$5,769.60	$65,978.28
$100,000.00	$14,182.56	$7,127.88	$5,769.60	$72,919.92
$120,000.00	$18,445.56	$9,800.88	$5,769.60	$85,983.96
$150,000.00	$26,245.56	$14,488.08	$5,769.60	$103,496.76

Contribution caps

How Net Pay is Calculated in Ontario (2026)

Frequently Asked Questions

Sources

2026 Ontario Salary After Tax Scenarios

Ontario Income Tax & Surtax

Ontario Health Premium (OHP)

LIFT Credit