Ontario pay stub generator

Create a Ontario pay-stub PDF with federal CRA tax, provincial income tax, CPP, EI, deductions, YTD totals, and net pay. Built for small employers paying staff without full payroll software.

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Ontario tax overview

Tax structure

Ontario has a progressive provincial income tax with rates from 5.05% to 13.16%, plus the Ontario Health Premium and surtaxes on higher incomes.

Top tax rate

13.16%

Maximum provincial income tax rate for Ontario residents.

Important notes

Ontario's provincial tax line includes the Ontario Health Premium (up to $900 a year) and the surtaxes on higher incomes, the way CRA's T4127 formulas do. There is nothing to add by hand.

2026 Ontario income tax rates

Ontario uses a progressive provincial income tax. Below are the 2026 marginal brackets — each rate applies only to the income that falls within that band, after the provincial basic personal amount of $12,989 (the tax-free threshold). Federal CRA income tax, CPP, and EI apply on top of these provincial rates.

Taxable income	Province marginal rate
Up to $53,891	5.05%
$53,891 – $107,785	9.15%
$107,785 – $150,000	11.16%
$150,000 – $220,000	12.16%
$220,000 and up	13.16%

2026 provincial rates — the same tables our generator uses. Combined with federal CRA tax, your total withholding is higher than the provincial rate alone. Confirm against the CRA and Ontario before filing.

What's included in your Ontario pay stub

Federal income tax (CRA)

Federal withholding follows the CRA formulas for the gross pay, pay frequency and pre-tax deductions you enter, at claim code 1 (the basic personal amount only).

Ontario provincial income tax

Progressive provincial income tax handling for Ontario, based on the supported current bracket schedule.

CPP & EI contributions

Canada Pension Plan (CPP) and Employment Insurance (EI) premiums shown with current contribution rates, maximums, and basic exemption.

Deductions & year-to-date

Show extended health, RRSP, and other deduction lines, plus YTD totals derived from the pay-period inputs.

Who uses a Ontario pay stub generator

Small employers running payroll by hand

CRA's Payroll Deductions Online Calculator gives you the numbers but not a statement of earnings. Turn each Ontario pay run into the pay statement employment standards require.

Household employers

Families in Ontario paying a nanny, caregiver, or housekeeper on payroll can hand over a proper statement each period, with CPP, EI, and tax lines itemized.

Owner-managers paying themselves

Incorporated Ontario business owners drawing a salary get a period-by-period record that reconciles with their T4 and remittances at year end.

Replacing a lost statement

Rebuild a missing Ontario pay statement from the payroll register so the employee's records are complete.

Create a Ontario pay stub preview

Generate the watermarked preview first. Pay US$2.49 for the clean PDF only when the federal, provincial, statutory contribution, deduction, YTD, and net-pay lines match your records.

Create your pay stub

Year-end forms

When the year closes, the same figures feed a Ontario employee's T4 or a contractor's T4A. Preview is free; the clean PDF is $4.99 per form, or included with a subscription.

Ontario pay stub FAQs

How is income tax calculated on a Ontario pay stub?: A Ontario pay stub combines federal CRA income tax with Ontario's progressive provincial income tax (top rate 13.16%), then deducts Canada Pension Plan (CPP) and Employment Insurance (EI) premiums. Our generator applies current CRA tables automatically.
What is deducted from a paycheck in Ontario?: Standard deductions on a Ontario paycheck are: federal income tax, Ontario provincial income tax, and CPP and EI premiums, plus any voluntary items like RRSP contributions or extended health. Year-to-date totals are tracked for your T4.
What is the top tax rate in Ontario?: Ontario's top provincial income tax rate is 13.16%. Because federal CRA income tax applies on top of the provincial rate, your total marginal rate is higher than 13.16% alone.
What has to appear on a Ontario pay statement?: Every province and territory requires a written statement each pay day; the common core is the pay period, wage rate, hours, gross pay, the amount and purpose of every deduction, and net pay. The exact list is in Ontario's employment standards. Vacation pay should be shown when it is paid out or banked. The generator lays these out for you; the employer remains responsible for remittances, records of employment, and T4 slips.

Pay stubs in other provinces & territories

Provincial tax, CPP/QPP, and EI/QPIP rules differ across Canada. Pick the region where the work was performed.

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