Ontario Income Tax Calculator (2026)

Ontario charges 5.05% on the first 53,891 dollars of taxable income and rises through 5 brackets to 13.16% above 220,000 dollars. Federal tax is added on top. The full tables are on this page.

It is 12,989 dollars. It is the amount of income you can earn before Ontario income tax applies to it, and the calculator applies it as a credit at the lowest Ontario rate.

The surtax adds 20% of your Ontario tax over 5,818 dollars, plus a further 36% of the Ontario tax over 7,446 dollars. The Ontario Health Premium is a separate yearly amount, from nothing up to 900 dollars, based on your taxable income. The calculator includes both, which is why the Ontario figure is higher than the brackets alone suggest.

It is an estimate. It uses the same federal and provincial rates, thresholds and personal amounts the Canada Revenue Agency (CRA) publishes for payroll deductions in 2026, plus CPP and EI. It does not know your whole tax return, so credits and income it does not ask about (dividends, capital gains, tuition, medical expenses, the Canada Workers Benefit) can change the result. Your notice of assessment from the CRA is always the final figure.

Enter your yearly employment income, choose your province or territory and read the take-home figure. It is your income minus federal tax, provincial tax, CPP and EI. Use the switch above the result to see it per month, every two weeks or per week.

Your average rate is all your tax and contributions divided by your income. Your marginal rate is the tax on your next dollar of income, which is higher because Canada taxes income in brackets. The calculator shows both, plus how much of your next 1,000 dollars you would keep after tax and contributions.

Each level taxes your taxable income in brackets. The federal rates for 2026 run from 14% on the first 58,523 dollars up to 33% above 258,482 dollars, and every province and territory has its own brackets. Basic credits, such as the basic personal amount, then reduce the tax.

CPP is 5.95% of earnings between 3,500 and 74,600 dollars (up to 4,230.45 dollars), plus 4% on earnings between 74,600 and 85,000 dollars (CPP2, up to 416.00 dollars). EI is 1.63% of earnings up to 68,900 dollars (up to 1,123.07 dollars). Quebec has its own plans, QPP and QPIP.

You pay both the employee and the employer half of CPP, you do not pay EI unless you opted in, and you tax your net business income (revenue minus business expenses). Choose the self-employed option and enter your gross revenue and your business expenses.

Yes. Enter your RRSP and other deductions and they reduce your taxable income. The calculator does not check your contribution room (the 2026 RRSP limit is up to 33,810 dollars, or 18% of your earned income if less), so confirm your room on your CRA notice of assessment.

Add the income tax you have already paid (T4 box 22 for employees, or your instalments if you are self-employed) in the optional box. The calculator compares it with the estimated tax and shows a refund or a balance owing.

All 13. Alberta, British Columbia, Manitoba, New Brunswick, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Saskatchewan and Yukon use figures we checked against the CRA's tables. Newfoundland and Labrador, Nova Scotia and Quebec are marked as not fully verified on the calculator until we can confirm every detail.

No. The calculator works on your own device, so nothing you type is saved or sent to us.