Free tool

Ontario income tax, 2026.

Enter your pay. See federal and Ontario tax, CPP and EI, what you take home and whether to expect a refund. Built on the Canada Revenue Agency's 2026 figures, checked 13 November 2026.

Take-home pay

You keep
Income tax
CPP and EI

Federal tax
Ontario tax
of which surtax
Ontario Health Premium
CPP and CPP2
EI
Average tax rate
Tax on your next dollar
Total income tax

An estimate with the basic credits only. A full return usually finds more.

Three situations, worked through

What the numbers look like in practice

The RRSP that pays for itself

$2,593

An employee in Pickering earning CAD 112,000 owes about $23,876. Put CAD 8,000 into an RRSP and the bill drops to $21,284. The CAD 8,000 contribution costs $5,407 after the refund.

The raise that feels smaller

33.9%

At CAD 112,000 the next dollar is taxed at 33.9%, not the 21.3% average. A CAD 5,000 bonus arrives as roughly $3,306. Knowing the marginal rate is how you decide between a bonus, an RRSP top-up and paying down debt.

Two incomes, one household

$182,212

One partner earns CAD 68,000 and keeps $52,485. The other earns CAD 185,000 with CAD 12,000 of rent and keeps $129,726. Whose RRSP gets the contribution, and who claims the child care, changes the total. That is the work we do on a family return.

2026 at a glance

Tax and take-home pay in Ontario, by salary

Salary	Income tax	CPP and EI	Average rate	Next dollar	Take-home
$50,000	$6,273	$3,582	12.5%	17.6%	$40,145
$75,000	$12,705	$5,370	16.9%	28.5%	$56,926
$100,000	$20,024	$5,770	20.0%	31.5%	$74,206
$125,000	$29,058	$5,770	23.2%	43.4%	$90,172
$150,000	$39,911	$5,770	26.6%	43.4%	$104,320
$200,000	$62,952	$5,770	31.5%	48.3%	$131,278
$300,000	$114,094	$5,770	38.0%	53.5%	$180,137

Federal brackets, 2026

Taxable income	Rate
$0 to $58,523	14%
$58,523 to $117,045	20.5%
$117,045 to $181,440	26%
$181,440 to $258,482	29%
Over $258,482	33%

Basic personal amount $16,452, reducing to $14,829 at the top bracket.

Ontario brackets, 2026

Taxable income	Rate
$0 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%

Basic personal amount $12,989. Surtax: 20 percent of basic Ontario tax over $5,818, plus 36 percent over $7,446. Health premium: up to CAD 900.

CPP: 5.95 percent of earnings between $3,500 and $74,600, maximum $4,230.45. CPP2: 4 percent between $74,600 and $85,000, maximum $416. EI: 1.63 percent up to $68,900, maximum $1,123.07. Sources: Canada Revenue Agency, T4032-ON Payroll Deductions Tables, Ontario, effective 1 January 2026; Canada Revenue Agency, tax rates and income brackets for individuals, 2026. Checked 13 November 2026. Rates change: confirm before you file.

Income tax in Ontario: your questions

How much income tax do I pay on CAD 100,000 in Ontario in 2026?

About $20,024 of federal and Ontario income tax, including the Ontario Health Premium, before any credits beyond the basic ones. CPP and EI take another $5,770, leaving take-home pay near $74,206 a year.

What are the federal tax brackets for 2026?

14 percent on the first CAD 58,523 of taxable income, 20.5 percent up to CAD 117,045, 26 percent up to CAD 181,440, 29 percent up to CAD 258,482 and 33 percent above that.

What are the Ontario tax brackets for 2026?

5.05 percent on the first CAD 53,891, 9.15 percent up to CAD 107,785, 11.16 percent up to CAD 150,000, 12.16 percent up to CAD 220,000 and 13.16 percent above that. Ontario then adds a surtax and the Ontario Health Premium.

How does the Ontario surtax work?

It is a tax on tax. In 2026 you pay 20 percent of basic Ontario tax above CAD 5,818, plus 36 percent of basic Ontario tax above CAD 7,446. It is why the top Ontario rate is higher than 13.16 percent in practice.

Will I get a refund?

You get a refund when more tax was taken off your pay than you owe. Enter the income tax deducted from your pay, from your last pay stub or box 22 of your T4, and the calculator shows the difference. RRSP contributions, child care, tuition, donations and medical costs are the usual reasons for a refund.

What does this calculator leave out?

Credits beyond the basic personal amounts, CPP, EI and the Canada employment amount. It does not include a spouse or dependants, tuition, donations, medical expenses, benefits such as the Canada Child Benefit, self-employment, capital gains or other provinces. It is an estimate for an Ontario employee, not a tax return.