Ontario income tax calculator 2026. Calculate federal + Ontario provincial tax, CPP, EI, RRSP impact and take-home salary. For employees and self-employed.
Maximize RRSP to reduce taxable income and Ontario taxes.
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Your results
How this estimate was calculated
Ontario tax shown includes the Ontario surtax, which is charged on Ontario tax payable rather than on income.
The Ontario Health Premium is listed separately but is already counted in total tax.
CPP includes CPP2 on earnings above the $74,600 ceiling.
Financial Disclaimer: This result is an educational estimate produced by applying published rates and thresholds to the figures you entered. It is not a tax determination: your actual liability depends on circumstances this calculator does not collect. Confirm your position with the relevant tax authority or a qualified accountant before acting on it. Full disclaimer.
Calculation type: Rule-based calculation. Uses 2026 rates and thresholds. Figures are taken from Canada Revenue Agency and Department of Finance Canada and TaxTips.ca and Gouvernement du Québec and Revenu Québec and Employment and Social Development Canada — see sources below.
Reviewed by Team GlobalCalqulate — Verifies each figure against the issuing authority's published source · Checked
Your entries stay on this device. This calculator runs entirely in your browser — the figures you type are not sent to us or to anyone else. The page itself uses cookies for analytics and advertising, described in the privacy policy.
Formula & methodology
Formula used
Federal and Ontario tax (progressive brackets)
tax = Σ (income_in_band × band_rate) for each bracket band up to taxable income
Taxable income is split across each jurisdiction's brackets, and each portion is taxed only at its own band's rate — never the whole income at one rate.
Both the federal and Ontario basic personal amounts are valued at their jurisdiction's lowest rate and subtracted directly from tax owed.
Ontario surtax
surtax = max(0, Ontario tax − $5,315) × 20%
Ontario applies a 20% surtax on top of Ontario provincial tax once that tax exceeds $5,315, on top of the bracket calculation above.
Ontario Health Premium
health premium = max(0, income − $200,000) × 1.25%
A separate premium applies only to the portion of income above $200,000.
CPP and EI contributions
CPP = min(income, YMPE − basic exemption) × 5.95%; EI = min(income, EI max insurable earnings) × 1.63%
Take-home income
net income = income − federal tax − Ontario tax − health premium − CPP − EI
Step-by-step calculation
1. Taxable income
Annual income minus RRSP contributions and other deductions.
2. Federal and Ontario tax
Taxable income run through each jurisdiction's 2026 bracket table, less the basic personal amount credit.
3. Ontario surtax
20% surtax added on Ontario provincial tax above $5,315.
4. Ontario Health Premium
1.25% premium on income above $200,000, added to total tax.
5. CPP and EI
Computed on pensionable/insurable earnings up to the 2026 CRA maximums, added after tax.
6. Take-home income
Income minus federal tax, Ontario tax (incl. surtax), health premium, CPP, and EI.
Limitations
Does not model self-employment income, capital gains, dividends, or non-refundable credits beyond the basic personal amount.
EI is modelled at the standard employee rate; Ontario Health Premium and surtax are modelled as flat-rate/threshold rules and do not capture every CRA edge case.
This page is educational. It applies published rates and thresholds to the figures you enter and shows the arithmetic behind the result. It is an estimate, not a tax determination: your actual liability depends on circumstances this calculator does not collect, and only the relevant tax authority — or an accountant who can see your full position — can confirm what you owe.
Clear answers to common questions to help you use this calculator confidently.
What are Ontario income tax brackets for 2026?
Tap to view the answer
Ontario has 5 provincial tax brackets: 5.05% (up to $53,891), 9.15% ($53,892-$107,785), 11.16% ($107,786-$150,000), 12.16% ($150,001-$220,000), and 13.16% (above $220,000).
How much is CPP contribution in Ontario 2026?
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CPP is 5.95% of earnings between $3,500 and the Year's Maximum Pensionable Earnings ($74,600 for 2026). Self-employed individuals pay double (11.90%).
What is Ontario Health Premium?
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Ontario Health Premium is 1.25% of income for high earners (income above $200,000). This calculator adds it as a separate charge on top of income tax.
What is Ontario Surtax?
Tap to view the answer
Ontario applies a surtax of 20% on Ontario provincial tax exceeding $5,315. This affects middle-to-high income earners, increasing their total tax burden.
How much EI do I pay in Ontario?
Tap to view the answer
The EI employee rate is 1.63%, applied to insurable earnings up to the 2026 maximum of $68,900 — capping the annual premium at roughly $1,123.
At a $75,000 salary, Ontario ranks 2 of 13 provinces and territories by total income tax — federal plus provincial combined, before credits. That works out to $16,224 in income tax, an effective rate of 21.6%. The same salary in Nunavut would be taxed $1,077 less, and in Quebec $4,971 more than here.
Provinces taxed most similarly to Ontario at $75,000
Showing the provinces taxed closest to Ontario. The full range runs from Nunavut ($15,147) to Quebec ($21,195) at this salary.
Ontario at other income levels
Salary
Total tax
Effective rate
Rank of 13
$50,000
$9,525
19.1%
2
$75,000
$16,224
21.6%
2
$100,000
$23,636
23.6%
3
$150,000
$41,123
27.4%
2
Federal and provincial income tax only, calculated on gross salary before personal credits, CPP/QPP and EI. Quebec figures include the 16.5% refundable Quebec abatement of federal tax. Bracket thresholds and rates are the 2026 figures used by this site's calculators, sourced from app/lib/datasets/canada/. Provincial budgets change them, so confirm against the Canada Revenue Agency figures linked below before relying on them for filing. Canadian income tax rates for individuals — current and previous years — Canada Revenue Agency.
Ontario Income Tax 2026: Complete Guide for Employees & Self-Employed
Ontario residents pay combined federal and provincial income tax on earnings. This guide explains Ontario's unique tax system, including provincial brackets, surtax, health premium, and optimization strategies.
Ontario Tax Brackets & Rates (2026)
Ontario has 5 provincial tax brackets applied on top of federal brackets:
Taxable Income (CAD)
Ontario Rate
Combined Federal + Ontario
$0 - $51,446
5.05%
20.15%
$51,447 - $102,894
9.15%
24.15%
$102,895 - $150,000
11.16%
36.16%
$150,001 - $220,000
12.16%
41.16%
Over $220,000
13.16%
46.16% (+ surtax)
Ontario Surtax: Extra Tax on High Incomes
Ontario applies a 20% surtax on provincial tax exceeding $5,315. This means high earners pay extra:
Canada Pension Plan (CPP): 5.95% on earnings between $3,500 and ~$68,500 (max ~$3,867/year in 2026). Self-employed pay double (11.90%).
Employment Insurance (EI): 1.62% in Ontario (employee rate), capped at maximum insurable earnings (~$1,049/year in 2026). Self-employed can opt in.
How to Reduce Ontario Income Tax
Maximize RRSP Contributions: Each $1,000 in RRSP reduces taxable income by $1,000. At a $75,000 income, this calculator's own engine shows that saves approximately $297 in combined federal + Ontario tax — verified by comparing $4,000 and $5,000 RRSP contribution results. Your own saving depends on your income and which bracket the contribution falls in.
Use RRSP Tax-Free Growth: Investments inside RRSP grow tax-free until withdrawal.
Spousal RRSP: Income splitting tool to equalize household income and reduce combined taxes.
Claim All Credits: Tuition, education, medical, caregiver, charitable donations.
Tax-Loss Harvesting (Investments): Offset capital gains with capital losses.
Ontario vs Other Provinces
How does Ontario compare?
vs Alberta: Alberta has no provincial sales tax (PST) and lower tax rates (max 15% provincial). Ontario's top rate is 13.16% + surtax.
vs Quebec: Quebec has unique rates and RRPP rules. Comparable rates but different deductions.
vs BC: BC has lower rates. Combined rates similar to Ontario.
Ontario Takeaway: Ontario ranks middle among provinces. If minimizing taxes is priority, consider Alberta or BC.
Ontario Income Tax FAQ
Q: When is Ontario income tax due? A: Ontario income tax is withheld at source from paycheques (payroll deductions). You file your tax return by June 15 annually with CRA.
Q: Can I reduce my Ontario taxes if self-employed? A: Yes. Deduct all business expenses (home office, supplies, vehicle, professional fees). Pay CPP at double rate (11.90%). File quarterly tax installments if projected tax exceeds $3,000.
Q: What if I move out of Ontario? A: Your provincial tax changes to your new province. File a return covering both periods to CRA.
Disclaimer: This calculator provides estimates for 2026. Actual tax depends on all income sources, credits, deductions, and personal circumstances. File with CRA for official tax assessment.
Monthly Take-Home Pay
$4,880
From $75,000 annual income
Annual Net Income
$58,558
Federal Tax
$7,234
Ontario Tax (incl. surtax)
$3,239
CPP Contribution
$4,246
EI Contribution
$1,123
Effective Tax Rate
14.76%
Marginal Tax Rate
29.65%
Ontario Health Premium
$600
Worked example — $150,000 salary in Ontario
A salaried Ontario employee with no credits beyond the basic personal amount, showing why the surtax matters.
Example Inputs
Employment income
$150,000
RRSP contribution
$0
Other deductions
$0
Example Results
Ontario Tax
$13,858
Ontario Health Premium
$750
Federal Tax
$25,302
Federal tax, CPP and EI are calculated by the tool above and are not Ontario-specific. Figures use 2026 brackets.