A — current
$
Province
quick set B
B — what if
$
Province
Btakes home $7,035 more per year
$586 per month · gross gap $10,000 · keeps 70% of it
Line by line
Amounts per year. Green deltas favour B, red favour A.
Show amounts
Tax year
| Line item | A · Ontario | B · Ontario | B − A |
|---|---|---|---|
| Income | |||
| Gross income | $85,000 | $95,000 | +$10,000 |
| Taxable incomeafter the CPP enhanced deduction | $83,873 | $93,873 | +$10,000 |
| Payroll programs | |||
| CPP + CPP2 | $4,646 | $4,646 | ±0 |
| EI premium | $1,123 | $1,123 | ±0 |
| Income tax | |||
| Federal taxafter credits | $10,227 | $12,277 | +$2,050 |
| Provincial taxafter credits | $4,574 | $5,489 | +$915 |
| Ontario surtaxa tax on Ontario tax | $0 | $0 | ±0 |
| Ontario health premium | $750 | $750 | ±0 |
| Bottom line | |||
| Total deductions | $21,321 | $24,286 | +$2,965 |
| Take-home | $63,679 | $70,714 | +$7,035 |
| Effective deduction rateshare of gross lost to tax, CPP and EI | 25.1% | 25.6% | +0.5 pts |
| True marginal rateon the next $100 | 29.6% | 29.6% | ±0 |
Download comparison (PDF)This ledger, then a full statement for A and for B.
A — $85,000 in Ontario
Keeps $704 of the next $1,000. Both maps share one axis.
Federal$10,227 per year
$0$125,000
Hover or tap a segment to inspect it.
Ontario$5,324 per year
$0$125,000
Hover or tap a segment to inspect it.
B — $95,000 in Ontario
Keeps $704 of the next $1,000. Both maps share one axis.
Federal$12,277 per year
$0$125,000
Hover or tap a segment to inspect it.
Ontario$6,239 per year
$0$125,000
Hover or tap a segment to inspect it.
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Each pair at every salary, then one salary at a time — where the gap comes from and who keeps more.