Ontario income tax calculator 2026
On a $75,000 salary in Ontario you take home $56,926 a year, or $4,743.82 a month and $2,189.45 every two weeks, after $8,259 of federal tax, $4,446 of Ontario tax and $5,370 of CPP and EI. Enter your own salary below.
Ontario tax brackets 2026
| Taxable income | Ontario 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% |
Each rate applies only to the slice of taxable income in its bracket. Thresholds rose 1.9% with inflation for 2026, except the $150,000 and $220,000 ones. Ontario tax comes on top of federal tax, whose brackets are on the Canada income tax calculator.
Tax credits
Ontario's basic personal amount for 2026 is $12,989. Like every provincial credit it is worth the lowest rate, 5.05%, so it cuts Ontario tax by $655.94. Base CPP contributions and EI premiums earn the same 5.05% credit. Federally you get $16,452 at 14%, plus the $1,501 Canada employment amount.
Ontario surtax
On top of the brackets, Ontario charges a surtax of 20% of basic Ontario tax over $5,818 plus 36% over $7,446. For an employee those points are reached at about $97,464 and $113,910 of taxable income. The surtax turns the 13.16% top Ontario rate into 20.53%, for a combined top rate of 53.53%.
Ontario Health Premium
| Taxable income | Premium | Reaches |
|---|---|---|
| $0 to $20,000 | nil | $0 |
| $20,000 to $36,000 | 6% of income over $20,000, up to $300 | $300 from $25,000 |
| $36,000 to $48,000 | $300 + 6% of income over $36,000, up to $450 | $450 from $38,500 |
| $48,000 to $72,000 | $450 + 25% of income over $48,000, up to $600 | $600 from $48,600 |
| $72,000 to $200,000 | $600 + 25% of income over $72,000, up to $750 | $750 from $72,600 |
| over $200,000 | $750 + 25% of income over $200,000, up to $900 | $900 from $200,600 |
The premium is based on taxable income and is not reduced by the Ontario tax reduction or LIFT, so almost every full-time worker in Ontario pays it: $450 at $40,000, $750 at $75,000.
Credits for lower incomes
The Ontario tax reduction for a single person is $600 minus your Ontario tax, so tax of $300 or less disappears and the reduction is used up once tax reaches $600; each dependant adds $1,108. The LIFT credit is 5.05% of employment income up to $875, reduced by 5% of adjusted net income over $32,500, so for a single person it runs out at $50,000.
On $30,000 the two together wipe out $754.74 of Ontario tax, leaving only the $300 health premium.
Worked example: $75,000 in Ontario
- CPP: 5.95% of earnings between $3,500 and $74,600 is $4,230.45, plus $16 of CPP2. EI: 1.63% of insurable earnings is $1,123.07.
- Taxable income: the enhanced CPP ($711) and CPP2 ($16) are deducted, leaving $74,273.
- Federal tax: the brackets give $11,421.97. Credits of $22,595.52 (basic personal amount $16,452, Canada employment amount $1,501, base CPP $3,519.45, EI $1,123.07) × 14% = $3,163.37, so basic federal tax is $8,258.60.
- Ontario tax: the brackets give $4,586.45. Credits of $17,631.52 (basic personal amount $12,989, base CPP and EI) × 5.05% = $890.39, leaving $3,696.06. There is no surtax at this income and the health premium adds $750. Ontario tax is $4,446.06.
- Take-home: $75,000 − $8,258.60 − $4,446.06 − $4,246.45 − $1,123.07 = $56,925.82, or $4,743.82 a month and $2,189.45 every two weeks.
Combined federal and Ontario marginal tax rates
| Taxable income | Federal | ON | Combined |
|---|---|---|---|
| up to $53,891 | 14.00% | 5.05% | 19.05% |
| $53,891 to $58,523 | 14.00% | 9.15% | 23.15% |
| $58,523 to $97,464 | 20.50% | 9.15% | 29.65% |
| $97,464 to $107,785 | 20.50% | 10.98% | 31.48% |
| $107,785 to $113,910 | 20.50% | 13.39% | 33.89% |
| $113,910 to $117,045 | 20.50% | 17.41% | 37.91% |
| $117,045 to $150,000 | 26.00% | 17.41% | 43.41% |
| $150,000 to $181,440 | 26.00% | 18.97% | 44.97% |
| $181,440 to $220,000 | 29.29% | 18.97% | 48.26% |
| $220,000 to $258,482 | 29.29% | 20.53% | 49.82% |
| over $258,482 | 33.00% | 20.53% | 53.53% |
Your marginal rate is the tax on your next dollar of taxable income. The top combined rate in Ontario is 53.53% on taxable income over $258,482. On a salary below the CPP and EI maximums you also lose 5.95% and 1.63% of each raise to those, less their credits; see the marginal tax rates page for every province.
Take-home pay in Ontario by salary
| Salary | Take-home a year | A month | Bi-weekly | Kept |
|---|---|---|---|---|
| $30,000 | $26,237 | $2,186 | $1,009 | 87.5% |
| $40,000 | $33,332 | $2,778 | $1,282 | 83.3% |
| $50,000 | $40,168 | $3,347 | $1,545 | 80.3% |
| $60,000 | $47,340 | $3,945 | $1,821 | 78.9% |
| $75,000 | $56,926 | $4,744 | $2,189 | 75.9% |
| $90,000 | $67,197 | $5,600 | $2,584 | 74.7% |
| $100,000 | $74,206 | $6,184 | $2,854 | 74.2% |
| $125,000 | $90,172 | $7,514 | $3,468 | 72.1% |
| $150,000 | $104,320 | $8,693 | $4,012 | 69.5% |
| $200,000 | $131,278 | $10,940 | $5,049 | 65.6% |
| $250,000 | $156,546 | $13,045 | $6,021 | 62.6% |
Ontario compared with its neighbours
| Province or territory | $50,000 | $75,000 | $100,000 | $150,000 |
|---|---|---|---|---|
| Ontario | $40,168 | $56,926 | $74,206 | $104,320 |
| Quebec | $38,824 | $53,965 | $69,585 | $97,850 |
| Manitoba | $39,075 | $55,024 | $71,445 | $100,797 |
At $75,000 you take home $2,961 more than in Quebec and $1,902 more than in Manitoba. Ontario ranks sixth of 13 provinces and territories at that salary; Nunavut leaves the most.
FAQ
How much tax do I pay on $75,000 in Ontario?
$8,259 of federal tax and $4,446 of Ontario tax, plus $4,246 of CPP and $1,123 of EI. Take-home is $56,926 a year ($4,743.82 a month), 75.9% of the salary.
What is the basic personal amount in Ontario for 2026?
$12,989. At the 5.05% credit rate it cuts Ontario tax by $655.94. The federal basic personal amount is $16,452.
What is the Ontario Health Premium?
A charge collected with Ontario tax. It is nil on taxable income up to $20,000 and rises in steps to $900 from $200,600. On $75,000 it is $750, already included in the Ontario tax figure.
What is the top marginal tax rate in Ontario?
53.53% combined on taxable income over $258,482: 33.00% federal and 20.53% Ontario including the surtax.