Ontario Pay Stub Generator
Make a pay stub for someone you pay in Ontario, with 2026 Ontario and federal income tax, CPP and EI worked out for you and every item the Employment Standards Act asks a wage statement to show.
PayStub Guru is NOT a bank, employer, government agency, or financial institution. We provide pay stub generation tools for legitimate record-keeping purposes only. Generated documents are not official employer records and must not be used for fraudulent purposes. Read Legal FAQ
Creating an Ontario pay stub
The generator below starts with Ontario selected. Ontario income tax is calculated on the 2026 Ontario brackets after the basic personal amount, and it includes the Ontario surtax and the Ontario Health Premium, which employers withhold together with provincial tax.
It is built for small businesses, families paying a nanny or caregiver, and anyone paying staff in Ontario. The live preview shows the exact PDF, and saved details make next pay period's stub quick.
Pay Stub Information
Tax rates last updated October 29, 2026. Sources: CRA and Revenu Québec.
Live Preview
Choose a free sample or a clean PDF next. Premium: CA$3.99 for 24 hours.
Does Ontario require pay stubs?
Yes. On or before each pay day, an employer must give each employee a written wage statement for the pay period.
Law: Employment Standards Act, 2000, section 12
Paper or electronic: The statement must be in writing. It can be emailed if the employee can make a paper copy, and the employee must be able to keep it separate from the cheque.
What an Ontario wage statement must show
- The pay period the wages are for
- The wage rate, if there is one
- The gross wages and, unless the employee gets this another way (for example in the employment contract), how they were calculated
- The amount and purpose of each deduction
- Any amounts paid for room or board
- The net wages
The generator also prints the employer and employee names, the pay date, hours where pay is hourly, and year-to-date totals if you include them.
Ontario payroll deductions in 2026
| Line on the stub | 2026 rule |
|---|---|
| CPP | 5.95% of earnings above $3,500 a year, up to $74,600. Second additional CPP (CPP2): 4% of earnings between $74,600 and $85,000. |
| EI | 1.63% of insurable earnings, up to $68,900 a year. |
| Federal income tax | 14% to 33% on the 2026 federal brackets, after the basic personal amount, the Canada employment amount and credits for CPP and EI. |
| Ontario income tax | 5.05% to 13.16% on the 2026 Ontario brackets (5.05% up to $53,891), after the $12,989 Ontario basic personal amount and credits for CPP and EI. |
| Ontario surtax | 20% of basic Ontario tax over $5,818, plus 36% of basic Ontario tax over $7,446. Included in the Ontario tax line. |
| Ontario Health Premium | Up to $900 a year, starting once taxable income passes $20,000. Included in the Ontario tax line. |
Sample Ontario pay stub
$60,000 a year, paid bi-weekly (26 pay periods), pay date 30 October 2026
| Gross pay | $2,307.69 |
| Federal income tax | −$205.32 |
| Ontario income tax | −$114.70 |
| CPP contribution | −$129.30 |
| EI premium | −$37.62 |
| Net pay | $1,820.75 |
Worked out by this generator with the basic personal amounts only (TD1 claim code 1) and no other deductions. Your figures change with the employee's TD1 claims, benefits and other deductions; any line can be typed over in the form.
Ontario take-home pay calculator
Lowers income tax, not CPP or EI.
| Per paycheque | Amount | Per year |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Federal income tax | -$205.32 | -$5,338.30 |
| Ontario income tax | -$114.70 | -$2,982.20 |
| CPP contribution | -$129.30 | -$3,361.75 |
| EI premium | -$37.62 | -$978.00 |
Estimate using the 2026 federal and Ontario brackets with the basic personal amounts only (TD1 claim code 1), CPP at 5.95% (plus CPP2 above $74,600) and EI at 1.63%. Payroll tables can differ by a few dollars. Not tax advice.
Tax rates last updated October 29, 2026. Sources: CRA and Revenu Québec.
Deductions and paying wages in Ontario
Only three kinds of deductions are allowed:
- Deductions required by law, such as income tax, CPP and EI
- Deductions under a court order that allows deducting from wages
- Deductions the employee has authorized in writing, with an exact amount or a way to calculate it (a general or verbal permission is not enough)
Not allowed:
- Losses from faulty work, such as spoiled work or damaged tools or vehicles, even with the employee's written authorization
- Cash shortages or lost or stolen property, unless the employee was the only person with access and authorized it in writing
Wages can be paid in cash, by cheque, or by direct deposit (including Interac e-Transfer) into an account in the employee's name. Since 21 June 2024 the employee chooses the financial institution; an employer can't require one the employee didn't choose.
Vacation pay: At least 4% of wages, or 6% once an employee has five years of service. If vacation pay is paid with each pay, show it as its own earnings line so the employee can see it.
Records: Employers must keep the information in each wage statement for three years after giving it to the employee.
Ontario minimum wage
$17.95 an hour from 1 October 2026 (up from $17.60). The student rate, for students under 18 working up to 28 hours a week during the school year or during school breaks, is $16.90.
Ontario pay stub FAQ
Do employers in Ontario have to give pay stubs?
Yes. Section 12 of the Employment Standards Act, 2000 requires a written wage statement on or before every pay day, showing the pay period, wage rate, gross wages and how they were calculated, each deduction and its purpose, any room or board amounts, and net wages.
Can an Ontario pay stub be emailed?
Yes, as long as the employee can make a paper copy. A PDF from this generator can be emailed or printed.
Does the generator include the Ontario Health Premium and surtax?
Yes. Both are worked out from the employee's annual pay and included in the Ontario income tax line, the same way payroll withholding treats them.
What are the CPP and EI rates in Ontario for 2026?
They are the same across Canada outside Quebec: CPP is 5.95% of earnings above $3,500 up to $74,600, plus CPP2 at 4% up to $85,000, and EI is 1.63% of insurable earnings up to $68,900.
Do I need a business number on an Ontario pay stub?
The Employment Standards Act doesn't list one for the wage statement. You do need a CRA payroll account to remit the CPP, EI and tax you withhold.
Important Legal Information
Please read these carefully before using our service. Misuse of generated documents is illegal and has serious consequences.
We Are NOT a Bank, Employer, or Government Agency
PayStub Guru is an independent software service. We are not affiliated with any: banks, employers, government agencies, tax authorities (IRS, HMRC, CRA, ATO, LHDN), financial institutions, or payroll companies. We do not verify employment or income. We provide software tools only.
Yes, it is completely legal to use a pay stub generator for legitimate purposes such as record-keeping, bookkeeping, or understanding payroll calculations. However, using generated pay stubs for fraudulent purposes (like misrepresenting income for loans or apartments) is illegal and constitutes fraud.
For complete legal terms and privacy information: