Rates verified on 2026-10-17
Estimates only
Ontario take-home pay calculator
Tax year 2026
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Tax year 2026
How Ontario take-home pay is calculated (2026)
Ontario adds provincial income tax on top of federal tax, CPP/CPP2, and EI. For 2026 the Ontario schedule runs 5.05% to $53,891, then 9.15%, 11.16%, 12.16%, and 13.16% above $220,000 (CRA). We subtract the Ontario basic personal amount credit ($12,989 × 5.05%). Ontario Health Premium and Ontario surtax are not in this net.
What makes an Ontario paycheque different
- Five provincial brackets from 5.05% to 13.16% on taxable income (CRA 2026).
- Ontario BPA credit uses $12,989 at the 5.05% lowest rate (T4127 / TD1ON).
- Real stubs may also withhold Ontario Health Premium — not modeled here.
How we count Ontario take-home
- Provincial: walk Ontario brackets, then subtract BPA × 5.05%.
- Federal income tax + CPP / CPP2 + EI from the verified CA-2026 national file.
- Not modeled: Ontario Health Premium, Ontario surtax, most other credits.
Sources & status
VerifiedPrimary sources below, grouped by layer. Oldest verification on this page: 2026-10-17.
Federal
- CRA current year tax rates and income brackets (2026) →verified 2026-10-17
- CRA T4127 Payroll Deductions Formulas 122nd ed. — BPAF $16,452 / $14,829; phase $181,440–$258,482 →verified 2026-10-17
- CRA CPP contribution rates, maximums and exemptions (2026 YMPE $74,600; 5.95%) →verified 2026-10-17
- CRA CPP2 contribution rates and maximums (2026 YAMPE $85,000; 4%) →verified 2026-10-17
- CRA EI premium rates and maximums (2026 1.63% / $68,900; QC 1.30%) →verified 2026-10-17
- CRA TD1 2026 Personal Tax Credits Return (basic personal amount $16,452) →verified 2026-10-17
State
- CRA current year tax rates — Ontario 2026 brackets (5.05%–13.16%) →verified 2026-10-19
- CRA T4127 Jan 2026 Table 8.2 — Ontario basic amount $12,989; surtax / health premium factors →verified 2026-10-19
- CRA TD1ON 2026 Personal Tax Credits Return →verified 2026-10-19
Ontario tax brackets (2026)
Federal income tax brackets
| From | To | Rate |
|---|---|---|
| $0.00 | $58,523.00 | 14.00% |
| $58,523.00 | $117,045.00 | 20.50% |
| $117,045.00 | $181,440.00 | 26.00% |
| $181,440.00 | $258,482.00 | 29.00% |
| $258,482.00 | and above | 33.00% |
Ontario tax brackets
| From | To | Rate |
|---|---|---|
| $0.00 | $53,891.00 | 5.05% |
| $53,891.00 | $107,785.00 | 9.15% |
| $107,785.00 | $150,000.00 | 11.16% |
| $150,000.00 | $220,000.00 | 12.16% |
| $220,000.00 | and above | 13.16% |
Worked examples (Ontario, annual, default assumptions)
| Gross | Net | Effective |
|---|---|---|
| $60,000.00 | $46,842.99 | 21.9% |
| $90,000.00 | $66,518.22 | 26.1% |
| $130,000.00 | $93,499.18 | 28.1% |
Examples use single filing status and no 401(k)/HSA. Open the calculator above to try your salary and filing status.
Frequently asked questions
- What are Ontario’s 2026 tax brackets?
- 5.05% to $53,891; 9.15% to $107,785; 11.16% to $150,000; 12.16% to $220,000; 13.16% above — from CRA’s current-year rates page.
- Do you include Ontario Health Premium?
- No. It is listed under not modeled. Annual net here is brackets plus BPA credit only, then federal and payroll deductions.
Related Canada calculators
Useful links
Official Ontario tax agencies and the primary sources behind the rates on this page.
- CRA — Current year tax rates (Ontario) →
2026 provincial brackets
- CRA — TD1ON 2026 →
Ontario personal tax credits
- Counttaxes — Canada methodology →
Scope and changelog