Where the money goes
| Item | 2026 |
|---|---|
| Gross pay | $31,000 |
| Federal income tax | $1,527 |
| Ontario income tax (incl. surtax) | $801 |
| Ontario Health Premium | $300 |
| CPP | $1,636 |
| CPP2 | $0 |
| EI | $505 |
| Total deductions | $4,770 |
| Take-home pay, year | $26,230 |
| Per month | $2,186 |
| Every two weeks (26 pays) | $1,009 |
| Per week | $504 |
| Per hour (2,080 hours) | $12.61 |
| Average income-tax rate | 8.5% |
| Marginal rate (tax, CPP, EI) | 25.2% |
Your employer also pays about $2,344 of its own CPP and EI on top of this pay. Counting both sides, the real tax rate on the job is about 21.3%.
Paid hourly? $31,000 a year is about $14.90 an hour at 40 hours a week. See hourly and monthly pay after tax.
$31,000 a year in every province
On the same $31,000 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 | $26,964 | $2,247 | 6.1% |
| 2British Columbia | $26,962 | $2,247 | 6.1% |
| 3Alberta | $26,845 | $2,237 | 6.5% |
| 4Northwest Territories | $26,703 | $2,225 | 7.0% |
| 5Yukon | $26,634 | $2,219 | 7.2% |
| 6Saskatchewan | $26,442 | $2,203 | 7.8% |
| 7Ontario | $26,230 | $2,186 | 8.5% |
| 8Quebec | $26,026 | $2,169 | 8.7% |
| 9Prince Edward Island | $26,015 | $2,168 | 9.2% |
| 10Newfoundland and Labrador | $25,960 | $2,163 | 9.3% |
| 11Manitoba | $25,919 | $2,160 | 9.5% |
| 12New Brunswick | $25,903 | $2,159 | 9.5% |
| 13Nova Scotia | $25,844 | $2,154 | 9.7% |
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 $31,000 a year after tax in Ontario?
About $26,230 a year in 2026, or $2,186 a month, for employment income with the basic federal and Ontario credits.
What is the marginal tax rate on $31,000 a year 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 $31,000 a year every two weeks after tax in Ontario?
About $1,009 per pay with 26 pays a year in 2026, before benefits, pension or other deductions your employer takes.
What does $31,000 a year cost the employer?
About $2,344 more in employer CPP and EI on top of the pay, which makes the real tax rate on the job about 21.3%.
Employment income with the basic federal and Ontario credits. Leaves out RRSP contributions, other income and other credits. Sources: CRA payroll deduction formulas (T4127, 2026).