Ontario income tax in 2026
- Ontario has 5 tax brackets in 2026: 5.05% on the first $53,891 of taxable income, rising to 13.16% over $220,000.
- The basic personal amount, the income on which no Ontario tax is paid, is $12,989: the 2nd lowest of the 13 provinces and territories.
- The top combined federal and province rate is 53.53%, the 3rd highest in Canada.
- Ontario adds a surtax: 20% of Ontario tax over $5,818 plus 36% of Ontario tax over $7,446, which makes the top rate 20.53% rather than 13.16%.
- Lower incomes get the Ontario tax reduction (up to $300 of basic reduction), and from $20,000 of taxable income everyone pays the Ontario Health Premium, up to $900 a year.
- As everywhere outside Quebec, 5.95% of pay between $3,500 and $74,600 goes to CPP (plus 4% up to $85,000 as CPP2) and 1.63% up to $68,900 to EI.
| Taxable income | 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% |
Examples
- $50,000: take-home $40,144.93 a year ($3,345 a month) after $3,985.14 federal tax, $2,288.18 Ontario tax and $2,766.75 CPP and $815.00 EI. Each extra dollar is taxed at 25.2% including contributions.
- $75,000: take-home $56,925.82 a year ($4,744 a month) after $8,258.60 federal tax, $4,446.06 Ontario tax and $4,246.45 CPP and $1,123.07 EI. Each extra dollar is taxed at 32.5% including contributions.
- $100,000: take-home $74,206.13 a year ($6,184 a month) after $13,301.60 federal tax, $6,722.75 Ontario tax and $4,646.45 CPP and $1,123.07 EI. Each extra dollar is taxed at 31.5% including contributions.
All three use the basic claims (no dependants, tuition or donations) and no RRSP; change any detail in the calculator above.
Ontario against the other provinces and territories
| # | Province or territory | Take-home |
|---|---|---|
| 1 | Nunavut | $58,818.86 |
| 2 | Northwest Territories | $57,763.07 |
| 3 | British Columbia | $57,710.56 |
| 4 | Yukon | $57,655.02 |
| 5 | Alberta | $57,361.50 |
| 6 | Ontario | $56,925.82 |
| 7 | Saskatchewan | $55,805.86 |
| 8 | New Brunswick | $55,101.79 |
| 9 | Manitoba | $55,024.20 |
| 10 | Newfoundland and Labrador | $54,736.70 |
| 11 | Prince Edward Island | $54,315.71 |
| 12 | Quebec | $53,964.94 |
| 13 | Nova Scotia | $53,423.01 |
Questions
How much is $75,000 a year after tax in Ontario?
About $56,925.82 a year ($4,744 a month) in 2026, after $8,258.60 federal tax, $4,446.06 Ontario tax and $4,246.45 CPP and $1,123.07 EI, with the basic claims and no RRSP.
What is the top tax rate in Ontario?
53.53% combined: the top federal rate of 33% plus Ontario's top rate of 13.16% with the surtax. It applies only to income in the top brackets.
Does Ontario have the lowest or highest income tax?
On a $75,000 salary, Ontario take-home pay is 6th highest of the 13 provinces and territories ($56,925.82). The ranking changes with income, so try your own salary above.
Ontario and federal rules checked on 1 October 2026 against CRA 2026 tax rates and CRA's T4127 payroll formulas (July 2026). An estimate for one employee with the basic claims, not tax advice.