Ontario Tax Calculator
Estimate your Ontario income tax, take-home pay, sales tax, RRSP saving and capital gains — for the current 2026 tax year and the past five on file.
Ontario uses a 13% HST and adds a provincial surtax on higher incomes, so the headline brackets understate the true rate for many earners.
The calculator below is pre-set to Ontario. Enter your income to see federal and Ontario tax side by side, switch to the salary view for take-home pay after CPP and EI, or use the other tabs for sales tax, RRSP, capital gains and more. Everything is calculated live from rates BOMCAS Canada keeps current.
- All calculators
- Income Tax Calculator
- Salary & Paycheck Calculator
- Self-Employment Tax Calculator
- Corporate Tax Calculator
- Capital Gains Tax Calculator
- RRSP Contribution & Tax-Saving Calculator
- TFSA Contribution Room Calculator
- GST / HST / PST Sales Tax Calculator
- Mortgage Payment Calculator
- Car Loan Payment Calculator
Tax data last reviewed: 2026-06-26. Current tax year on file: 2026. Figures are sourced from canada.ca (CRA) and provincial finance ministries and are kept current by BOMCAS Canada.
Key Ontario tax figures
| Basic personal amount | $12,989 |
| Sales tax | Harmonized Sales Tax (HST) at 13% |
| Lowest provincial bracket rate | 5.05% |
| Highest provincial bracket rate | 13.16% |
| Tax years available | 2021–2026 |
Figures reviewed against canada.ca and Ontario's finance ministry. Ontario uses a single Harmonized Sales Tax (HST) of 13%, which blends the 5% federal GST and the provincial portion into one rate collected at the point of sale.
Ontario sales tax: Harmonized Sales Tax (HST) at 13%
Ontario is a participating HST province, so a single 13% Harmonized Sales Tax is charged at checkout rather than separate federal and provincial lines. The Canada Revenue Agency administers the HST, and registered businesses claim input tax credits on the full 13% the same way they would on GST.
| Component | Rate |
|---|---|
| Harmonized Sales Tax (HST) | 13% |
Use the sales-tax tab of the calculator above to apply Ontario's exact rate to any amount.
How Ontario income tax works in 2026
Ontario's published brackets understate the real burden because of two surtaxes that apply once provincial tax passes set thresholds, plus a separate Ontario Health Premium. The 13% HST is collected as a single rate, simplifying point-of-sale tax but raising the cost of most purchases relative to Alberta's GST-only 5%.
Canada's personal tax is progressive, meaning each band of income is taxed at its own rate rather than your whole income being taxed at the top rate you reach. In Ontario for 2026, the provincial portion sits on top of the federal brackets, which run from 14% on the first $58,523 to 33% on income above $258,482. The combined result is what the calculator above reports as your total tax, average rate and marginal rate.
Ontario provincial tax brackets — 2026
| Taxable income band | Provincial rate |
|---|---|
| $0 – $53,891 | 5.05% |
| $53,891 – $107,785 | 9.15% |
| $107,785 – $150,000 | 11.16% |
| $150,000 – $220,000 | 12.16% |
| Over $220,000 | 13.16% |
Provincial rates only; federal tax of 14%–33% applies in addition. Basic personal amount: $12,989.
Payroll, savings and business figures for 2026
Beyond income tax, your real take-home pay depends on federal payroll deductions, which are the same in Ontario as everywhere outside Quebec. For 2026, the Canada Pension Plan rate is 5.95% on earnings between the $3,500 exemption and the $74,600 ceiling (a maximum of $4,230.45), the second additional CPP (CPP2) adds 4% up to $85,000 for up to $416.00 more, and Employment Insurance is 1.63% to a maximum premium of $1,123.07. The salary view of the calculator subtracts all of these so you see the net figure that actually lands in your account.
For savers, the 2026 TFSA limit is $7,000 and the RRSP dollar limit is $33,810 (18% of prior-year earned income, whichever is lower). An RRSP contribution reduces your taxable income, so in Ontario's upper brackets the refund can be substantial — the RRSP tab estimates it for you. For incorporated businesses, Ontario's small-business rate is 3.20% on the first $500,000 of active business income and 11.5% on income above that, stacking on the federal 9% / 15%.
Whether you live in Ontario or are comparing it against a move to Sherwood Park, Alberta, modelling income tax, payroll and sales tax together gives a far more honest picture than headline rates alone. BOMCAS Canada uses exactly these figures when we plan and file for clients, and we are glad to walk you through your own numbers.
Frequently Asked Questions
Calculators for other provinces & territories
These calculators provide estimates for general information only and do not constitute tax, accounting, or financial advice. Figures are based on published federal and provincial/territorial rates and are updated periodically. For advice specific to your situation, contact BOMCAS Canada. These calculators provide good-faith estimates for planning only and do not constitute tax advice or a filing. For advice specific to your situation, contact BOMCAS Canada at 780-667-5250 or info@bomcas.ca.
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