Free calculator · 2026 rates

Ontario Income Tax Calculator 2026

Enter your 2026 income to estimate federal and Ontario income tax, including the Ontario surtax and Ontario Health Premium, plus CPP and EI on employment or self-employment income.

Estimated total income tax (2026)

Average tax rate

Marginal tax rate

FederalOntarioCPP/EITake-home

Total income$0

Taxable income$0

Federal tax$0

Ontario tax (incl. surtax)$0

Ontario Health Premium$0

CPP + CPP2$0

EI premiums$0

After-tax income$0

How this calculator works

Uses 2026 federal brackets (lowest rate 14%) and 2026 Ontario brackets, with the federal and Ontario basic personal amounts.
Eligible and non-eligible dividends are grossed up and receive the federal and Ontario dividend tax credits; capital gains use the 50% inclusion rate.
Excludes the Canada employment amount, the Ontario low-income tax reduction, and age, pension, disability and other credits, so results are a conservative estimate.

Important

Results are estimates for general information, based on 2026 federal and Ontario figures verified October 27, 2026. Federal Budget 2026 (November 5, 2026) may change some amounts. Your actual tax depends on credits, deductions and circumstances not captured here.

Get help with Personal Tax (T1)

Frequently asked questions

What is the difference between average and marginal tax rate?

Your average rate is total income tax divided by total income. Your marginal rate is the tax on your next dollar of ordinary income, which is what matters for decisions like RRSP contributions or a raise.

What is the Ontario surtax?

Ontario charges an extra 20% on basic Ontario tax above $5,818 and a further 36% on basic Ontario tax above $7,446 (2026 thresholds), which is why Ontario’s effective top rate is higher than the 13.16% bracket rate.

What is the Ontario Health Premium?

It is an additional amount of up to $900 a year collected through your Ontario return, starting once taxable income exceeds $20,000.

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