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Is $20,000 a good salary in Ontario?
$20,000 is a modest salary for Ontario — around the 23rd income percentile, so most earners (about 77%) make more. Take-home is about $17,840 after tax, CPP and EI.
Where you rank
23rd
income percentile · Ontario individuals
Take-home pay
$17,840
≈ $1,487 / month after deductions
Marginal tax rate
19.1%
on your next dollar earned
One page answers all three — how you compare, what you keep, and your tax rate.
Share your result
I'm in the 23rd income percentile in Ontario.
Where you stand
How you compare to Ontario earners
Based on individual employment income. You earn more than about 23% of residents.
You · 23rd
10th: $9,16725th: $21,88850th: $44,64075th: $79,85890th: $129,51599th: $311,177
Your paycheque
Where your $20,000 goes
Estimated 2026 deductions for a Ontario resident, employment income.
Take-home pay
$17,840
Federal tax
$497
Provincial tax + health
$354
CPP + CPP2
$982
EI
$328
Average tax rate ≈ 4.3% · Total deductions ≈ 10.8% · Marginal ≈ 19.1%
Educational information only — not financial, tax, or legal advice. Figures are illustrative estimates pending live CRA & Statistics Canada data.
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