Ontario income tax calculator for 2026
On $80,000 of employment income in Ontario in 2026, federal tax is $9,242.60 and Ontario tax $4,884.79; with $4,446.45 of CPP and $1,123.07 of EI you keep $60,303, an average deduction rate of 24.6%.
Enter your income to see the tax in each bracket, your credits and your marginal rate.
How it's worked out
Federal tax and Ontario tax are each worked out on taxable income (your income less the enhanced CPP contributions and RRSP deductions) using the 2026 brackets, then reduced by non-refundable credits at the lowest rate: the basic personal amount, base CPP contributions, EI premiums and, federally, the Canada employment amount. Ontario then adds its surtax and health premium and applies the Ontario tax reduction for low incomes. This is the CRA's T4127 method, used by its payroll calculator and tables.
| Taxable income | Rate | Tax on income in this bracket |
|---|---|---|
| $0 – $53,891 | 5.05% | 5.05% × income |
| $53,891 – $107,785 | 9.15% | 9.15% × income − $2,210 |
| $107,785 – $150,000 | 11.16% | 11.16% × income − $4,376 |
| $150,000 – $220,000 | 12.16% | 12.16% × income − $5,876 |
| $220,000 and over | 13.16% | 13.16% × income − $8,076 |
What is specific to Ontario
- Ontario adds a surtax of 20% of basic provincial tax above $5,818 plus 36% above $7,446.
- The Ontario health premium is a separate amount of up to $900 a year, set by taxable income in steps from $20,000.
- The Ontario tax reduction removes tax for low incomes: twice $300 (plus $554 per dependent child or disabled dependant) less the tax, when positive.
Tax at different incomes in Ontario
| Income | Federal tax | Ontario tax | CPP + EI | Take-home | Average rate |
|---|---|---|---|---|---|
| $40,000 | $2,691.25 | $1,671.46 | $2,823.75 | $32,814 | 18% |
| $60,000 | $5,338.29 | $2,981.73 | $4,339.75 | $47,340 | 21.1% |
| $80,000 | $9,242.60 | $4,884.79 | $5,569.52 | $60,303 | 24.6% |
| $100,000 | $13,301.60 | $6,722.19 | $5,769.52 | $74,207 | 25.8% |
| $150,000 | $25,302.61 | $14,608.47 | $5,769.52 | $104,319 | 30.5% |
| $250,000 | $53,523.68 | $34,160.91 | $5,769.52 | $156,546 | 37.4% |
Worked example: $80,000 in Ontario
Employment income of $80,000, no RRSP deduction, CPP and EI deducted:
| Result | Amount |
|---|---|
| Take-home pay a year | $60,303 |
| Federal tax | $9,242.60 |
| Ontario tax (incl. surtax and health premium) | $4,884.79 |
| CPP and CPP2 | $4,446.45 |
| EI premiums | $1,123.07 |
| Total deductions | $19,696.91 |
| Average / marginal rate | 24.6% / 32.5% |
| Per month after deductions | $5,025.26 |
Compare with other provinces
The same $80,000 leaves $61,157 in British Columbia, $60,698 in Alberta, $58,229 in Manitoba, $59,022 in Saskatchewan. The salary calculator compares every province and territory side by side.
How to use the Ontario Income Tax Calculator
- Enter your employment income for 2026 before deductions.
- Add any RRSP contributions you will deduct.
- Enter dependent children under 19 if you have any (Ontario tax reduction).
- Untick CPP or EI only if you are exempt from them.
Key figures 2026
The statutory rates and thresholds this calculator uses, where each comes from, and when we last checked it.
| Figure | Value | Source and date checked |
|---|---|---|
| Method | CRA T4127 Option 1 formulas (also behind the PDOC and T4032 tables); tests match the T4032 tables to 5 cents | T4032-ON Payroll Deductions Tables, Ontario, effective January 1, 2026 (general information and worked examples)Checked 2026-11-06 |
| Federal tax rates 2026 | 14% to $58,523; 20.50% to $117,045; 26% to $181,440; 29% to $258,482; 33% above | T4127 Payroll Deductions Formulas, 122nd edition, effective January 1, 2026Checked 2026-11-06 |
| Federal basic personal amount 2026 | $16,452, reduced to $14,829 between $181,440 and $258,482 of net income | T4127 Payroll Deductions Formulas, 122nd edition, effective January 1, 2026Checked 2026-11-06 |
| Ontario tax rates 2026 | 5.05% to $53,891; 9.15% to $107,785; 11.16% to $150,000; 12.16% to $220,000; 13.16% above | T4127 Payroll Deductions Formulas, 122nd edition, effective January 1, 2026Checked 2026-11-06 |
| Ontario basic personal amount 2026 | $12,989 | T4127 Payroll Deductions Formulas, 122nd edition, effective January 1, 2026Checked 2026-11-06 |
| CPP 2026 | 5.95% of earnings between $3,500 and $74,600 (maximum $4,230.45); CPP2 4% from $74,600 to $85,000 (maximum $416.00) | T4127 Payroll Deductions Formulas, 122nd edition, effective January 1, 2026Checked 2026-11-06 |
| EI 2026 | 1.63% of insurable earnings up to $68,900 (maximum $1,123.07); employer 1.4 times | T4127 Payroll Deductions Formulas, 122nd edition, effective January 1, 2026Checked 2026-11-06 |
| Ontario surtax | 20% of basic tax over $5,818 plus 36% over $7,446 | T4032-ON Payroll Deductions Tables, Ontario, effective January 1, 2026 (general information and worked examples)Checked 2026-11-06 |
| Ontario health premium | $0 to $900 a year in steps from $20,000 of taxable income | T4032-ON Payroll Deductions Tables, Ontario, effective January 1, 2026 (general information and worked examples)Checked 2026-11-06 |
| Ontario tax reduction | $300 basic plus $554 per dependant: tax below twice the total is reduced | T4127 Payroll Deductions Formulas, 122nd edition, effective January 1, 2026Checked 2026-11-06 |
Frequently asked questions
What are the Ontario tax brackets for 2026?
5.05% to $53,891; 9.15% to $107,785; 11.16% to $150,000; 12.16% to $220,000; 13.16% above, on top of federal tax of 14% to $58,523, 20.5% to $117,045, 26% to $181,440, 29% to $258,482 and 33% above.
What is the basic personal amount in Ontario for 2026?
$12,989, worth 5.05% of that as a credit against Ontario tax. The federal basic personal amount is $16,452, reduced for net income above $181,440.
How much tax do I pay on $60,000 in Ontario?
$5,338.29 of federal tax and $2,981.73 of Ontario tax, plus $3,361.75 of CPP and $978.00 of EI, leaving $47,340 (21.1% deducted overall).
Does the calculator include CPP and EI?
Yes. CPP is 5.95% of earnings between $3,500 and $74,600, plus CPP2 at 4% up to $85,000; EI is 1.63% up to $68,900. The base CPP and EI earn a credit at the lowest rates and the enhanced CPP part is deducted from income, as on a return.
What are the Ontario surtax and health premium?
The surtax adds 20% of basic Ontario tax above $5,818 and another 36% above $7,446, so high earners pay well above the bracket rate. The health premium is a flat amount of up to $900 a year set by taxable income, collected with your tax.
Is this tax advice?
No. Results are estimates from the CRA's published 2026 rates and formulas for an employee with employment income only. Other income, deductions and credits change the answer; check with the CRA or a tax professional before you rely on a figure.
Sources
- T4127 Payroll Deductions Formulas, 122nd edition, effective January 1, 2026 (Canada Revenue Agency (CRA))
- Current year tax rates and income brackets (2026), federal and provincial (Canada Revenue Agency (CRA))
- T4032-ON Payroll Deductions Tables, Ontario, effective January 1, 2026 (general information and worked examples) (Canada Revenue Agency (CRA))
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers in 2026; your own circumstances can change them. Check with the official source: CRA Payroll Deductions Online Calculator (PDOC).
Last checked 2026-11-06 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.