Canadian Income Tax Calculator 2026
Enter your income to see your federal tax, provincial tax, CPP, EI, and net pay. Compare your take-home pay across all provinces and territories.
Your Income Details
Your personalized tax summary will appear here after you calculate.
Ontario Income Tax Guide
How to Calculate Ontario Net Income
Ontario income tax is calculated by first determining your federal taxable income, then applying Ontario's own progressive tax brackets on top. Ontario's basic personal amount for 2026 is $12,989, which means the first $12,989 of income is effectively tax-free at the provincial level. Ontario applies five progressive tax brackets ranging from 5.05% on income up to $53,891 to 13.16% on income above $220,000. Ontario also applies a surtax: if your provincial tax owing exceeds $5,818, a 20% surtax applies to the amount above that threshold. If it exceeds $7,446, an additional 36% surtax kicks in on that portion. This surtax is a tax on tax, which is why Ontario's effective rate for higher earners is among the highest in Canada. In addition, Ontario charges a Health Premium on taxable income, ranging from $300 to $900 depending on income level. Your take-home pay is what remains after federal tax, Ontario provincial tax, Ontario surtax, Health Premium, CPP contributions, and EI premiums are deducted.
Ontario-Specific Income Types and Considerations
- LIFT Credit: low-income workers earning under $50,000 may qualify for up to $875 back
- Ontario Health Premium: mandatory charge from $300 to $900 per year based on income
- Ontario surtax: a tax on top of your provincial tax for higher earners, significantly increasing effective rates
- Ontario Tax Reduction: a credit worth up to $600 for lower-income residents with dependants
- Age Amount: a credit for Ontarians aged 65 and over
Common Questions About Ontario Income Tax
Ontario applies a surtax on top of your provincial tax if you owe more than $5,818 in provincial tax. This surtax adds 20% on the amount above $5,818 and an extra 36% on amounts above $7,446. It is a tax on your tax, which pushes effective rates well beyond the stated bracket percentages for higher earners.