Where the money goes
| Item | 2026 |
|---|---|
| Gross pay | $41,600 |
| Federal income tax | $2,898 |
| Ontario income tax (incl. surtax) | $1,296 |
| Ontario Health Premium | $450 |
| CPP | $2,267 |
| CPP2 | $0 |
| EI | $678 |
| Total deductions | $7,589 |
| Take-home pay, year | $34,011 |
| Per month | $2,834 |
| Every two weeks (26 pays) | $1,308 |
| Per week | $654 |
| Per hour (2,080 hours) | $16.35 |
| Average income-tax rate | 11.2% |
| Marginal rate (tax, CPP, EI) | 25.2% |
Your employer also pays about $3,216 of its own CPP and EI on top of this pay. Counting both sides, the real tax rate on the job is about 24.1%.
$20 an hour in every province
On the same $41,600 a year, take-home pay is highest in Nunavut. Select a province to see its full breakdown.
| Province | Take-home | Per month | Average income tax |
|---|---|---|---|
| 1Nunavut | $34,997 | $2,916 | 8.8% |
| 2Northwest Territories | $34,550 | $2,879 | 9.9% |
| 3Alberta | $34,486 | $2,874 | 10.0% |
| 4British Columbia | $34,465 | $2,872 | 10.1% |
| 5Yukon | $34,432 | $2,869 | 10.2% |
| 6Ontario | $34,011 | $2,834 | 11.2% |
| 7Saskatchewan | $33,838 | $2,820 | 11.6% |
| 8Newfoundland and Labrador | $33,533 | $2,794 | 12.3% |
| 9New Brunswick | $33,408 | $2,784 | 12.6% |
| 10Manitoba | $33,286 | $2,774 | 12.9% |
| 11Prince Edward Island | $33,220 | $2,768 | 13.1% |
| 12Quebec | $33,166 | $2,764 | 12.8% |
| 13Nova Scotia | $32,778 | $2,731 | 14.1% |
Ontario tax rates for 2026
| Taxable income | Rate |
|---|---|
| $0 to $53,891 | 5.05% |
| $53,891 to $107,785 | 9.15% |
| $107,785 to $150,000 | 11.16% |
| $150,000 to $220,000 | 12.16% |
| Over $220,000 | 13.16% |
Basic personal amount: $12,989. Ontario adds a surtax (20% of Ontario tax above $5,818 and 36% above $7,446), the Ontario Health Premium of up to $900, and a small tax reduction at low incomes.
Nearby amounts
Full Ontario take-home pay table · All provinces · Ontario income tax calculator
Questions
How much is $20 an hour after tax in Ontario?
About $34,011 a year in 2026, or $2,834 a month, for employment income with the basic federal and Ontario credits.
What is the marginal tax rate on $20 an hour in Ontario?
About 25.2% in 2026 including CPP and EI, so a $1,000 raise or bonus adds roughly $748 to take-home pay.
How much is $20 an hour every two weeks after tax in Ontario?
About $1,308 per pay with 26 pays a year in 2026, before benefits, pension or other deductions your employer takes.
What does $20 an hour cost the employer?
About $3,216 more in employer CPP and EI on top of the pay, which makes the real tax rate on the job about 24.1%.
Employment income with the basic federal and Ontario credits, 40 hours a week for 52 weeks. Leaves out RRSP contributions, other income and other credits. Sources: CRA payroll deduction formulas (T4127, 2026).