Ontario Income Tax Calculator 2026

Ontario tax calculator for 2026: federal + provincial tax, CPP and EI. On $75,000 you take home $56,926 ($4,744 a month). Brackets and marginal rates.

Updated 2026-10-03 · CRA 2026 rates

Ontario tax brackets 2026

Ontario's basic personal amount for 2026 is $12,989. Ontario surtax (20% of basic Ontario tax over $5,818 plus 36% over $7,446), Ontario Health Premium (up to $900), and the Ontario tax reduction ($300 basic amount), per CRA T4127.

Take-home pay in Ontario at common salaries (2026)

Key facts

• Ontario’s 2026 income tax rates are 5.05% on taxable income up to $53,891, 9.15% up to $107,785, 11.16% up to $150,000, 12.16% up to $220,000 and 13.16% above $220,000 (CRA 2026 tax rates; T4127).
• The Ontario basic personal amount is $12,989 for 2026, and Ontario non-refundable credits are worth 5.05% of the amount claimed (CRA T4127 Table 8.2).
• Ontario adds a surtax of 20% of basic Ontario tax above $5,818 plus 36% of basic Ontario tax above $7,446 in 2026 (CRA T4127, factor V1).
• Because of the surtax, the top 13.16% rate works out to 13.16% × 1.56 = 20.53% of each extra dollar, so the combined federal-Ontario top marginal rate on ordinary income is 33% + 20.53% = 53.53% (derived from the T4127 rates).
• The Ontario Health Premium is nil on taxable income up to $20,000 and rises in steps to a maximum of $900 a year once taxable income passes $200,600 (CRA T4127, factor V2).
• The Ontario tax reduction removes basic Ontario tax (including surtax) for low incomes: it is twice the $300 basic amount (plus $554 for each dependant under 19 and each disabled dependant) minus that tax, and it does not reduce the Health Premium (CRA T4127, factor S).
• The Low-income Individuals and Families Tax (LIFT) credit is the lesser of $875 and 5.05% of employment income, reduced by 5% of the greater of adjusted individual net income above $32,500 or adjusted family net income above $65,000; it is claimed on the tax return, not through payroll (Ontario Ministry of Finance).
• The Ontario Trillium Benefit combines the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit and the Ontario Sales Tax Credit; for the 2026 benefit year (July 2026 – June 2027) amounts over $500 can be taken monthly from July 2026 or as one payment in June 2027 (Ontario Ministry of Finance).
• Ontario’s Harmonized Sales Tax is 13%: it replaced the 5% GST and 8% Ontario retail sales tax on July 1, 2010, and the 8% provincial part is rebated at the till on items such as books, children’s clothing and diapers (Ontario Ministry of Finance).
• Estate Administration Tax (probate) is nil on estates of $50,000 or less and $15 for every $1,000 or part above $50,000; Ontario’s example estate of $240,000 pays $2,850 (Ontario Ministry of Finance; Estate Administration Tax Act, 1998).
• Ontario does not collect its own income tax return: Ontario tax and the Ontario tax reduction are claimed on Form ON428 with the personal income tax return filed with the CRA (Ontario Ministry of Finance, Ontario Tax Reduction).

Other provinces

• QuebecQC
• British ColumbiaBC
• AlbertaAB
• ManitobaMB
• SaskatchewanSK
• Nova ScotiaNS
• New BrunswickNB
• Newfoundland and LabradorNL
• Prince Edward IslandPE
• YukonYT
• Northwest TerritoriesNT
• NunavutNU