Ontario Income Tax Calculator 2026
Ontario adds a surtax and the Ontario Health Premium on top of its five brackets. Work out your take-home pay after federal and provincial tax, CPP and EI.
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Reduces your taxable income for the year.
Net Take-Home (Monthly)
$4,744
$56,926/year · effective deduction rate 24.1%
Where your income goes
Annual gross income, split into take-home pay, taxes and contributions.
- Total$75,000
Income Tax
Ontario · after RRSP deduction & basic personal amounts.
Total Income Tax
$12,705
Payroll Contributions
CPP (incl. CPP2) and EI, on gross income.
Total Payroll Contributions
$5,369
| Period | Net Pay |
|---|---|
| Annual | $56,926 |
| Monthly | $4,744 |
| Bi-Weekly (26/yr) | $2,189 |
2026 at a glance
Ontario income tax: key numbers
- Lowest rate
- 5.05%
- on the first $53,891
- Top rate
- 13.16%
- above $220,000
- Basic personal amount
- $12,989
- credit at the lowest rate
- Top combined rate
- 53.53%
- federal + province incl. surtax
| Taxable income | Rate |
|---|---|
| Up to $53,891 | 5.05% |
| $53,891 – $107,785 | 9.15% |
| $107,785 – $150,000 | 11.16% |
| $150,000 – $220,000 | 12.16% |
| Over $220,000 | 13.16% |
| Taxable income | Rate |
|---|---|
| Up to $58,523 | 14% |
| $58,523 – $117,045 | 20.5% |
| $117,045 – $181,440 | 26% |
| $181,440 – $258,482 | 29% |
| Over $258,482 | 33% |
Worked examples
Take-home pay in Ontario at four salaries
Each column is a single employee with no RRSP contribution, calculated with the same 2026 rules as the calculator above. CPP and EI are taken from gross pay; the base CPP contribution and EI premiums also earn tax credits.
| $50,000 | $75,000 | $100,000 | $150,000 | |
|---|---|---|---|---|
| Federal tax | $3,985 | $8,259 | $13,302 | $25,302 |
| Provincial tax | $2,288 | $4,446 | $6,723 | $14,608 |
| CPP + CPP2 | $2,767 | $4,246 | $4,646 | $4,646 |
| EI | $815 | $1,123 | $1,123 | $1,123 |
| Take-home (year) | $40,145 | $56,926 | $74,206 | $104,320 |
| Take-home (month) | $3,345 | $4,744 | $6,184 | $8,693 |
What's specific to Ontario
How Ontario taxes your pay
- Ontario's brackets run from 5.05% up to $53,891 to 13.16% above $220,000.
- A surtax of 20% applies to Ontario tax above $5,818, plus another 36% on Ontario tax above $7,446. That lifts the effective top provincial rate to about 20.5%.
- The Ontario Health Premium is charged through your tax: nothing up to $20,000 of taxable income, rising to a maximum of $900 above $200,600.
Lower your taxable income with an RRSP contribution: the RRSP tax refund calculator shows the refund at Ontario rates.
FAQ
Frequently asked questions
How much tax will I pay on $75,000 in Ontario?
On a $75,000 salary in 2026 you pay about $8,259 federal tax, $4,446 provincial tax and $5,369 in CPP and EI, leaving $56,926 a year, or about $4,744 a month.
What are the Ontario tax brackets for 2026?
Ontario taxes income in 5 brackets for 2026, from 5.05% on the first $53,891 to 13.16% above $220,000. These apply on top of federal tax, which runs from 14% to 33%. The combined top marginal rate is about 53.53%.
What is the Ontario basic personal amount for 2026?
Ontario's basic personal amount is $12,989 for 2026. It is a credit worth $656 (5.05% of the amount), not a deduction from income.
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