Ontario Income Tax Calculator 2026
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Ontario income tax in 2026
Ontario residents pay federal income tax, Ontario income tax, the Ontario surtax if their provincial tax is high enough, and the Ontario Health Premium, while employees also contribute to CPP and EI. Ontario tax is calculated on the same taxable income as federal tax, then reduced by Ontario credits such as the $12,989 basic personal amount.
Example: a $75,000 salary in 2026 has $8,469 of federal tax, $4,446 of Ontario tax and health premium, $4,246 of CPP and $1,123 of EI. Take-home pay is $56,716, or $2,181.37 biweekly, and the next dollar earned is taxed at 32.5% including CPP and EI.
Ontario take-home pay by salary (2026)
Employee with no RRSP contribution or other income. Marginal rate includes federal and Ontario tax, CPP and EI on the next dollar of salary.
| Salary | Total tax, CPP and EI | Take-home per year | Per biweekly paycheck | Per month | Marginal rate |
|---|---|---|---|---|---|
| $30,000 | $4,728 | $25,272 | $972.00 | $2,106 | 25.2% |
| $40,000 | $7,397 | $32,603 | $1,253.98 | $2,717 | 25.2% |
| $50,000 | $10,065 | $39,935 | $1,535.95 | $3,328 | 25.2% |
| $60,000 | $12,870 | $47,130 | $1,812.68 | $3,927 | 35.7% |
| $70,000 | $16,424 | $53,576 | $2,060.62 | $4,465 | 34.4% |
| $75,000 | $18,284 | $56,716 | $2,181.37 | $4,726 | 32.5% |
| $80,000 | $19,908 | $60,092 | $2,311.25 | $5,008 | 32.5% |
| $90,000 | $23,013 | $66,987 | $2,576.41 | $5,582 | 29.7% |
| $100,000 | $26,004 | $73,996 | $2,846.00 | $6,166 | 31.5% |
| $120,000 | $32,867 | $87,133 | $3,351.26 | $7,261 | 43.4% |
| $150,000 | $45,890 | $104,110 | $4,004.22 | $8,676 | 43.4% |
| $200,000 | $68,932 | $131,068 | $5,041.08 | $10,922 | 48.3% |
| $250,000 | $93,665 | $156,335 | $6,012.90 | $13,028 | 49.8% |
2026 Ontario tax brackets
| Taxable income | Ontario rate |
|---|---|
| $0 – $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% |
Federal tax applies on top: 14% up to $58,523, then 20.5%, 26%, 29% and 33%. See every federal bracket and other provinces on the Canada income tax calculator.
Combined federal and Ontario marginal tax rates
The rate on your next dollar of salary in 2026, including the Ontario surtax and health premium. The CPP and EI column shows the payroll contributions on that dollar, which stop once you pass the $68,900 EI and $85,000 CPP ceilings. Below those ceilings the income tax rates are slightly lower than the bracket rates (for example 12.94% federal instead of 14%), because each extra dollar of CPP and EI also earns a tax credit or deduction.
| Salary | Federal | Ontario | Income tax total | CPP and EI |
|---|---|---|---|---|
| $30,000 | 12.94% | 4.67% | 17.61% | 7.58% |
| $50,000 | 12.94% | 4.67% | 17.61% | 7.58% |
| $65,000 | 19.37% | 8.73% | 28.10% | 7.58% |
| $80,000 | 19.68% | 8.78% | 28.46% | 4.00% |
| $100,000 | 20.50% | 10.98% | 31.48% | 0.00% |
| $125,000 | 26.00% | 17.41% | 43.41% | 0.00% |
| $160,000 | 26.00% | 18.97% | 44.97% | 0.00% |
| $200,000 | 29.29% | 18.97% | 48.26% | 0.00% |
| $240,000 | 29.29% | 20.53% | 49.82% | 0.00% |
| $300,000 | 33.00% | 20.53% | 53.53% | 0.00% |
Ontario surtax and health premium
The Ontario surtax is 20% of basic Ontario tax over $5,818 and an additional 36% of basic Ontario tax over $7,446 for 2026. Because it is charged on tax rather than income, it raises the effective Ontario rate in the top brackets: 13.16% becomes about 20.53% once both surtax rates apply.
| Taxable income | Ontario Health Premium |
|---|---|
| Up to $20,000 | $0 |
| $20,000 – $36,000 | 6% of income over $20,000, up to $300 |
| $36,000 – $48,000 | $300 plus 6% of income over $36,000, up to $450 |
| $48,000 – $72,000 | $450 plus 25% of income over $48,000, up to $600 |
| $72,000 – $200,000 | $600 plus 25% of income over $72,000, up to $750 |
| Over $200,000 | $750 plus 25% of income over $200,000, up to $900 |
Each step phases in over a short range of income (for example, $25 of premium for every $100 between $48,000 and $48,600), so the premium briefly adds to the marginal rate at those points.
FAQ
How much tax do I pay on $75,000 in Ontario?
In 2026 an Ontario employee earning $75,000 pays about $8,469 in federal tax and $4,446 in Ontario tax including the health premium, plus $4,246 CPP and $1,123 EI. Take-home pay is about $56,716 a year, or $2,181.37 every two weeks.
What are the Ontario tax brackets for 2026?
Ontario charges 5.05% on $0 – $53,891, 9.15% on $53,891 – $107,785, 11.16% on $107,785 – $150,000, 12.16% on $150,000 – $220,000, 13.16% on over $220,000. These apply on top of federal tax, and Ontario adds a surtax and the Ontario Health Premium.
What is the Ontario surtax?
The surtax is an extra tax on your basic Ontario tax, not on income. For 2026 it is 20% of basic Ontario tax above $5,818 plus a further 36% above $7,446. For a typical employee it starts at a taxable income just under $100,000 and raises Ontario's top effective rate well above the 13.16% bracket rate.
What is the Ontario Health Premium?
The Ontario Health Premium is collected through the income tax system from residents with taxable income over $20,000. It rises in steps from $0 to a maximum of $900 a year at taxable income above $200,600, and it is withheld from your pay along with Ontario income tax.
How much does an RRSP contribution save in Ontario?
An RRSP contribution saves tax at your combined federal and Ontario marginal rate. On a $75,000 salary, contributing $5,000 lowers income tax by about $1,632 in 2026.
Is Ontario tax higher than Alberta?
For most incomes, yes. On a $75,000 salary in 2026, an Alberta employee takes home $57,151 against $56,716 in Ontario. Alberta has a higher basic personal amount and no health premium or surtax; Ontario's lower first bracket rate narrows the gap at modest incomes.
Sources
Important notice
Estimates for an Ontario resident employee for 2025 or 2026. Includes federal and Ontario tax, the basic personal credits, CPP and EI credits, the enhanced CPP deduction, the Ontario surtax and the Ontario Health Premium. It does not include the Ontario Tax Reduction for low incomes, other non-refundable credits, or self-employed CPP.