Ontario Pay Planner

Ontario · 2026

Private planning workspace

Jobs, lump sums and every cheque in the rolling window

Nothing calculated yet

A little information. A lot more clarity.

Your take-home, your deductions and your 2026 tax year appear here as soon as a job has a pay amount and a first pay date.

  1. 01 Add your income and pay dates
  2. 02 Include bonuses or another job
  3. 03 Explore your pay and taxes

This app saves nothing and sends nothing. This app keeps every figure you type in the page's memory only. It stores nothing, sets no cookie, loads no analytics and makes no server call with your entries, so it never transmits them anywhere. Reloading or closing this page clears every entry. What your browser, its extensions or the device itself do is outside this app's control.

Step 1

Your jobs

Each job is a separate employer with its own schedule, its own CPP, CPP2 and EI maximums, and its own withholding.

1 jobs entered

Job 1

Job 1

Semimonthly pays on the 15th and the last day of the month. Monthly keeps the day you pick, clamped to month end.

The gross amount on one paycheque. Rolling-window pay is this amount times the number of scheduled payments.

Amount in Canadian dollars

The gross on one cheque, before any deduction.

Only 2026 and 2027 are supported. The rolling window covers this date up to, but not including, the same date next year.

Leave blank for the full rolling 12 months. Set it to the date of the final paycheque to end the job early; a cheque falling on that day is still counted, and the schedule stops at the last scheduled date on or before it.

Leave blank to use the automatic count for each payment year. This changes withholding only: the pay dates, the payment count and the gross pay do not move.

Amount in Canadian dollars

An optional extra amount you asked your employer to withhold on every regular pay.

Usually only one job. The annual estimate always claims it once on your combined income.

Pre-tax deductions (registered pension or RRSP through payroll) reduce the income tax withheld and are deductible. Post-tax deductions (health, dental, union dues) come out of the cash on the cheque and do not change the tax withheld on it. That is a statement about this paycheque, not about your return: a deductible amount such as union dues can still reduce your tax for the year, but only if you enter it as one of the annual deductions on the Tax summary tab, which is where this planner can act on it.

Pre-tax deductions per pay

Amount in Canadian dollars

Post-tax deductions per pay

Amount in Canadian dollars

1 job. Add as many as you have. Each job is a separate employer with its own CPP, CPP2 and EI maximums.

Step 2 · optional

Lump-sum payments

Bonus, commission, tips and other non-periodic pay. A lump sum shares the job's payroll year to date, so it cannot reset the CPP basic exemption or re-use a maximum that is already spent.

0 lump-sum rows used

No lump-sum payments yet.

Add one if you expect a bonus, commission or tips.

0 rows. Add as many payments as you expect.

Result

Combined paycheck ledger

Every regular paycheque and lump-sum payment from every job, in payment-date order. On a shared date, regular pay is processed before lump sums, exactly as the payroll engine orders them.

Turn this on only when the employer is authorized to reduce source deductions for a registered pension or RRSP contribution taken from a lump sum. FHSA contributions never reduce source deductions.

No payments yet.

Enter a pay amount and a first pay date for a job, or add a lump-sum payment such as a bonus — a job paid only a bonus still appears here.

Totals

Per-job roll-up

Totals for each job across its own scheduled pay window, a full rolling 12 months unless a last pay date ends it sooner.

Job 1whole 12-month window

Regular pay per cheque
$0.00
Scheduled payments
27
Withholding periods (P)
26
Gross
$0.00
CPP + CPP2
$0.00
EI
$0.00
Income tax withheld
$0.00
Net pay
$0.00