Tax Calculator Ontario
Calculate your combined federal + Ontario provincial income tax with deductions and basic personal amount. Updated for 2026 CRA brackets.
Ontario province tax applied. Ontario has 5 provincial tax brackets. Top combined federal + provincial rate hits 53.53% over $246k.
Deductions you can claim
Total tax owed
$16,975
Effective rate 18.86% · Marginal 20.5%
Taxable income
$74,295
Take-home
$73,025
Federal + Ontario combined
Federal: $12,075 · Ontario: $4,900
Ontario also charges a Health Premium of $300-$900 based on income, deducted via payroll.
Full breakdown
Step-by-step from gross income to total tax owed.
| Gross income | $90,000 |
| Standard deduction | $15,705 |
| Taxable income | $74,295 |
| Federal income tax | $12,075 |
| Ontario province tax | $4,900 |
| Total tax | $16,975 |
| Take-home (post-tax only) | $73,025 |
Ontario tax at a glance
Ontario has 5 provincial tax brackets. Top combined federal + provincial rate hits 53.53% over $246k.
Note: Ontario also charges a Health Premium of $300-$900 based on income, deducted via payroll.
Ontario provincial brackets (2026)
| Taxable income | Provincial rate |
|---|---|
| $0 – $52,886 | 5.05% |
| $52,886 – $105,775 | 9.15% |
| $105,775 – $150,000 | 11.16% |
| $150,000 – $220,000 | 12.16% |
| $220,000 – above | 13.16% |
Basic personal amount: $12,747.
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Frequently Asked Questions
What's the top combined tax rate in Ontario?▾
Ontario's top provincial marginal rate is 13.16%. Combined with the 33% federal top rate, top earners face roughly 46.2% on income above $253k. Ontario has 5 provincial tax brackets. Top combined federal + provincial rate hits 53.53% over $246k.
How is Ontario tax different from federal?▾
In Canada, federal and provincial taxes are calculated separately and stacked on the same income. Most provinces (except Quebec) have the CRA collect both via a single return. Your tax slip shows federal + provincial deductions, and CRA distributes provincial revenue back to your home province.
What is the Basic Personal Amount?▾
The Basic Personal Amount (BPA) is a non-refundable tax credit that effectively makes the first portion of your income tax-free. The federal BPA in 2026 is ~$15,705 (reduced for very high earners). Ontario's provincial BPA is $12,747. Combined, most Ontario residents pay no tax on the first ~$25–30k of income.
Should I contribute to RRSP if I'm in Ontario?▾
RRSP contributions reduce both federal AND Ontario provincial income tax — which makes them more valuable in higher-tax provinces. A $10,000 RRSP contribution saves roughly 3,366 (at 41% marginal in Ontario) — meaningful in mid-tax provinces. Use our Retirement Calculator to project the long-term impact.
What if I move to/from Ontario during the year?▾
You file as a resident of whichever province you were resident in on December 31 of that tax year. All income for the year is taxed at that province's rate, even income earned elsewhere. Quebec is the major exception with its own rules. Moving in late December to a low-tax province (like Alberta) can yield significant savings, but be aware of residency tests and provincial credits.
Is provincial tax progressive in Ontario?▾
Yes — Ontario has 5 progressive brackets ranging from 5.05% to 13.16%. Each dollar earned is only taxed at the rate for its bracket, not at a single overall rate — see the bracket table above for details.