Employee Benefits
Compensation Allocation Simulator
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Ontario · 2026 Tax Year · Employee
Total comp budget: $150,000
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Your Compensation Package
Total comp budget
$150,000
annual, set by employer
RRSP room available
$20,000
this year
Province: OntarioEmployment: Full-time employeeTax year: 2026
Your Benefits Plan
Your Allocation
Base Salarycash payroll
$150,000$0$150,000
Employer RRSPpre-tax retirement contribution
$
$0$20,000
Equity / RSUsvests over 4 years · taxed on vest
$
$0$150,000
Flex Benefits Pool$0 of $8,000 used
Dentaldental care, orthodontics
$
$0$5,000
Medical / Extended Healthvision, paramedical, prescriptions
$
$0$6,000
Professional Developmentcourses, conferences, certifications
$
$0$2,500
Total employer cost$150,000
Tax Comparison
Before
After Allocation
Monthly take-home
$8,808
Monthly take-home
$8,808
Taxable income$150,000
$150,000
Federal tax$29,533
$29,533
Ontario tax$14,775
$14,775
Total tax$44,308
$44,308
Effective rate29.5%
29.5%
Simplified Model · Not Tax Advice
- 2026 federal + Ontario marginal brackets only; no CPP or EI
- Does not apply the Basic Personal Amount credit
- Dental & medical treated as non-taxable HSA credits
- Professional development tax treatment may vary
- Equity / RSUs taxed as employment income on vest — not reflected here
- RRSP room capped at employer-provided figure (CRA max $32,490)
Compensation Advisor
Hi, I'm your compensation advisor.
Tell me about your goals and life situation — I'll suggest the right allocation for you.
Simplified model · not financial advice