Ontario Income Tax Calculator 2026
Estimate what you owe Ottawa and Queen's Park: federal brackets, Ontario brackets, the Ontario surtax, Basic Personal Amount credits and your RRSP deduction — updated live as you type.
Your Income
Ontario resident · 2026 tax year · employment income.
Deducted from income before any bracket is applied.
Estimate only — excludes the Ontario Health Premium, CPP/EI and other credits or deductions. Not tax advice.
Understanding Ontario Income Tax in 2026
How this estimate works
Start with your gross employment income, then subtract your RRSP deduction — that gives your taxable income, the number both governments actually tax. Federal tax is calculated through five brackets: 14% on the first $58,523, then 20.5%, 26%, 29% and 33% on the slices above each threshold. From that we subtract the federal Basic Personal Amount credit — $16,452 × 14% (about $2,303) — which is reduced gradually to $14,829 for incomes between $181,440 and $258,482. Ontario tax works the same way through its own five brackets (5.05% up to $53,891, rising to 13.16%), minus the Ontario Basic Personal Amount credit ($12,989 × 5.05%, about $656, with no phase-out). Finally, Ontario adds its surtax on top of your provincial tax: nothing if your provincial tax is $5,818 or less, 20% of the part between $5,818 and $7,446, and 56% of anything above $7,446. Add the federal and Ontario totals together and you get your estimated tax.
Two governments, one paycheque
Canada splits income tax between Ottawa and the province, so your paycheque carries two separate tax bills computed on the same taxable income. Federal brackets are wider and the rates are higher; Ontario's brackets are narrower and start lower. Because each level applies its own brackets and its own credits, the chart above splits your total into the federal share and the Ontario share — for most middle incomes, roughly two-thirds goes to Ottawa and one-third to Queen's Park.
How your RRSP contribution lowers your tax
An RRSP contribution is deducted before any bracket is applied, so it shrinks the income both governments tax. That means every RRSP dollar saves you tax at your marginal rate — the combined rate on your top slice of income. At a $100,000 income, a $10,000 RRSP contribution cuts this estimate by about $3,060 (roughly 31 cents saved per dollar contributed). Drag the RRSP slider above and watch your total tax fall in real time.
Marginal rate vs average rate
Your marginal rate is the combined federal-plus-Ontario rate on your next dollar — at $100,000 in Ontario that is 20.5% federal plus 9.15% Ontario, or 29.65%. Your average rate is total tax divided by income — about 20.8% at the same income. The gap matters: a raise never pushes your whole income into a higher bracket, only the dollars above each threshold. So when you hear "I'm in the 29.65% bracket," that is the marginal rate — the average is always lower.
What this estimate leaves out
This is an estimate, not a tax return. It excludes the Ontario Health Premium (up to $750, normally calculated on your return based on income), CPP and EI payroll deductions, and other credits and deductions you may qualify for — medical expenses, charitable donations, tuition, childcare and more. Everyone's situation differs, and tax rules change. Use this calculator to plan and compare scenarios, then confirm the real numbers with the CRA's official tools or a tax professional. Nothing here is tax advice.