Ontario income tax calculator
Your Ontario take-home pay after federal and provincial tax, CPP and EI.
I earn a year in .
Type your yearly salary to see your take-home pay.
Deductions
Contributions you can deduct lower your taxable income.
Your limit is 18% of last year's earned income, up to $33,810, plus any unused room on your notice of assessment.
First Home Savings Account: up to $8,000 a year, plus up to $8,000 of unused room from last year.
Side business, investments, rental or pension income.
Your return will appear here, line by line.
Each amount is tagged with the CRA line or T4 box it comes from, so you can check it against your own slips.
Estimates for a single person under 65 with no dependants, using 2026 rates. Includes the basic personal amount, Canada employment amount, CPP/QPP and EI credits, the dividend tax credit, provincial surtaxes, health premiums and low-income reductions. It doesn't include other credits such as tuition, medical expenses, donations or amounts for a spouse or dependants. Your numbers stay in your browser. Read the disclaimer.
Ontario tax brackets for 2026
| Taxable income | ON rate |
|---|---|
| Up to $53,891 | 5.05% |
| $53,891 to $107,785 | 9.15% |
| $107,785 to $150,000 | 11.16% |
| $150,000 to $220,000 | 12.16% |
| Over $220,000 | 13.16% |
These rates apply on top of federal tax. The Ontario basic personal amount is $12,989. The top combined federal and provincial rate is 53.53%.
Ontario surtax, tax reduction and health premium
Ontario adds a surtax of 20% of provincial tax over $5,818 and another 36% over $7,446. Lower-income residents get the Ontario tax reduction and the LIFT credit, which can bring provincial tax to zero. Everyone with taxable income over $20,000 also pays the Ontario Health Premium, up to $900 a year. The calculator includes all four.
Take-home pay in Ontario at common salaries
| Salary | Total tax and contributions | Take-home | Per month |
|---|---|---|---|
| $40,000 | $6,668 | $33,332 | $2,778 |
| $50,000 | $9,832 | $40,168 | $3,347 |
| $60,000 | $12,660 | $47,340 | $3,945 |
| $75,000 | $18,074 | $56,926 | $4,744 |
| $100,000 | $25,794 | $74,206 | $6,184 |
| $150,000 | $45,680 | $104,320 | $8,693 |
Frequently asked questions
What is the top tax rate in Ontario?
The top combined federal and Ontario rate on ordinary income in 2026 is 53.53%, on taxable income over $258,482, including Ontario's surtax.
What is the basic personal amount in Ontario?
Ontario's basic personal amount for 2026 is $12,989, worth a credit of 5.05% of that amount. The federal basic personal amount is $16,452.
How much tax do I pay on $75,000 in Ontario?
On a $75,000 salary in 2026 you pay about $8,259 in federal tax, $4,446 in Ontario tax and $5,370 in CPP and EI, for take-home pay of $56,926 ($4,744 a month).