This Ontario income tax calculator shows your 2026 take-home pay after federal tax, Ontario tax, the Ontario surtax, the Ontario Health Premium, CPP and EI. It also shows your average and combined marginal tax rates.
2026 Ontario tax brackets
| Taxable income | Ontario 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% |
The Ontario basic personal amount for 2026 is $12,989, credited at 5.05%.
Ontario surtax and Health Premium
Surtax: Ontario adds 20% of basic Ontario tax above $5,818, plus another 36% of basic Ontario tax above $7,446. This is why Ontario’s top combined rate reaches 53.53%.
Ontario Health Premium: charged on taxable income above $20,000, rising in steps to a maximum of $900 a year for incomes over about $200,600. It is collected through payroll and your tax return.
2026 federal tax brackets (all provinces)
| Taxable income | Federal 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% |
CPP is 5.95% of earnings between $3,500 and $74,600, CPP2 is 4% between $74,600 and $85,000, and EI is 1.63% of earnings up to $68,900.
Worked example
On a $70,000 salary in Ontario, you would pay about C$7,488 in federal tax, C$3,256 in Ontario tax, a C$600 Ontario Health Premium, $3,956.75 in CPP and $1,123.07 in EI. Take-home pay is about C$53,576 a year, or C$4,465 a month.
Frequently asked questions
What are the Ontario tax brackets for 2026?
5.05% up to $53,891, 9.15% up to $107,785, 11.16% up to $150,000, 12.16% up to $220,000 and 13.16% above that, plus the Ontario surtax at higher incomes.
What is the Ontario surtax?
An extra tax of 20% on basic Ontario tax above $5,818 and a further 36% on basic Ontario tax above $7,446 for 2026. It starts at a taxable income of roughly $97,000.
How much is the Ontario Health Premium?
Nothing on taxable income up to $20,000, rising in steps to $300, $450, $600, $750 and a maximum of $900 a year for incomes above about $200,600.
What is the top marginal tax rate in Ontario?
53.53% on income above $258,482 in 2026, combining the 33% federal rate with Ontario’s 13.16% rate and the surtax.
Does this include the Ontario tax reduction?
No. The Ontario tax reduction and other credits mainly help lower-income taxpayers, so their real tax may be a little lower than shown.
Related calculators
- Canada Income Tax Calculator
- BC Income Tax Calculator
- Alberta Income Tax Calculator
- Salary Calculator
Sources
- Canada Revenue Agency: Tax rates and income brackets
- CRA: CPP contribution rates and maximums
- Ontario: Health Premium
Last reviewed: October 2026 against official government sources. This calculator gives estimates for education only and is not tax advice.