🍁 Ontario, Canada
Ontario Tax Calculator 2026
Calculate your Ontario income tax including federal tax, provincial tax, CPP, and EI. See your marginal rate, average rate, and take-home pay.
Updated March 2026 • Includes surtax • CPP2 included
💰 Your Income Details
$
$
💡 Tip: RRSP contributions reduce your taxable income. Max 2026 contribution: $33,810 or 18% of income.
📊 Your Tax Summary
Take-Home Pay (After Tax)
$56,842
$4,737/month • $2,186/bi-weekly
Total Tax
$14,287
Average Tax Rate
19.05%
Marginal Rate
29.65%
CPP + EI
$5,353
🇨🇦 Federal Tax
$8,472
Effective: 11.30%
🏛️ Ontario Tax
$5,815
Effective: 7.75%
Detailed Breakdown
Amount
Gross Income
$75,000
− RRSP Deduction
$0
= Taxable Income
$75,000
Federal Tax
$8,472
Ontario Tax (incl. surtax)
$5,815
CPP Contributions
$4,034
EI Premiums
$1,123
Total Deductions
$19,444
Net Take-Home Pay
$55,556
Ontario Income Tax Rates 2026
Ontario residents pay both federal and provincial income tax. The combined marginal tax rate in Ontario ranges from 20.05% to 53.53% depending on your income level. This calculator accounts for federal tax, Ontario provincial tax (including surtax), CPP contributions, and EI premiums.
2026 Federal Tax Brackets
| Taxable Income | Federal Rate |
|---|---|
| Up to $57,375 | 14.00% |
| $57,375 to $114,750 | 20.50% |
| $114,750 to $177,882 | 26.00% |
| $177,882 to $253,414 | 29.00% |
| Over $253,414 | 33.00% |
2026 Ontario Provincial Tax Brackets
| Taxable Income | Ontario Rate |
|---|---|
| Up to $52,886 | 5.05% |
| $52,886 to $105,775 | 9.15% |
| $105,775 to $150,000 | 11.16% |
| $150,000 to $220,000 | 12.16% |
| Over $220,000 | 13.16% |
Ontario Surtax
Ontario adds a surtax on top of provincial tax for higher earners:
- 20% surtax on Ontario tax over $5,710
- Additional 36% surtax on Ontario tax over $7,315
This effectively increases the top marginal rate. Combined with federal tax, the top rate in Ontario is 53.53% on income over $253,414.
2026 Combined Marginal Tax Rates (Ontario)
| Income Range | Federal | Ontario | Combined |
|---|---|---|---|
| Up to $52,886 | 14.00% | 5.05% | 20.05% |
| $52,886 - $57,375 | 14.00% | 9.15% | 24.15% |
| $57,375 - $105,775 | 20.50% | 9.15% | 29.65% |
| $105,775 - $114,750 | 20.50% | 11.16% | 31.66% |
| $114,750 - $150,000 | 26.00% | 11.16% | 37.16% |
| $150,000 - $177,882 | 26.00% | 12.16% | 38.16% |
| $177,882 - $220,000 | 29.00% | 12.16% | 41.16% |
| $220,000 - $253,414 | 29.00% | 13.16% | 42.16% |
| Over $253,414 | 33.00% | 13.16% | 53.53%* |
*Top rate includes Ontario surtax effect
CPP and EI Contributions 2026
| Contribution | Rate | Maximum |
|---|---|---|
| CPP (base) | 5.95% | $4,230.45 |
| CPP2 (enhanced) | 4.00% | $416.00 |
| EI | 1.63% | $1,123.07 |
Ontario Health Premium
Ontario residents with taxable income over $20,000 pay the Ontario Health Premium (not included in this calculator). The premium ranges from $0 to $900 annually based on income.
Frequently Asked Questions
What is the top tax rate in Ontario?
The top combined marginal tax rate in Ontario for 2026 is 53.53% on income over $253,414. This includes federal tax (33%) and Ontario tax (13.16%) plus the Ontario surtax effect. However, most Ontarians pay a much lower average rate.
How does the Ontario surtax work?
Ontario applies a surtax on provincial tax payable. You pay an additional 20% on Ontario tax over $5,710, and a further 36% on Ontario tax over $7,315. This effectively increases marginal rates for higher earners without changing the base bracket rates.
What is the difference between marginal and average tax rate?
Your marginal rate is the tax on your next dollar of income—it's the rate for your highest tax bracket. Your average rate is total tax paid divided by total income. Due to progressive brackets, your average rate is always lower than your marginal rate.
How can I reduce my Ontario taxes?
Common strategies include RRSP contributions (reduces taxable income), claiming all eligible deductions (childcare, moving expenses, union dues), maximizing tax credits (medical, donations), income splitting with a spouse, and using TFSAs for investment income.
Do I have to pay both federal and provincial tax?
Yes, all Canadian residents pay both federal and provincial/territorial income tax. You file one tax return, but it calculates both taxes. Your province of residence on December 31 determines which provincial rates apply to your entire year's income.
What is the basic personal amount in Ontario?
For 2026, the Ontario basic personal amount is $12,989. This means you can earn this amount tax-free from provincial tax. The federal basic personal amount is $16,452 (varies by income). These amounts are used to calculate your non-refundable tax credits.
When do I have to file my Ontario tax return?
The deadline to file your 2025 tax return is April 30, 2026 (or June 15, 2026 if self-employed, but any balance owing is still due April 30). You'll receive a refund if you've overpaid through payroll deductions, or owe if you've underpaid.
Accuracy Commitment: This calculator uses 2026 federal and Ontario tax brackets, including the Ontario surtax. Results are estimates and may not include all credits, deductions, or the Ontario Health Premium. Consult a tax professional for personalized advice.