Tax Summary
Rate Breakdown
RRSP Optimization
Your 2026 RRSP impact based on Ontario marginal rates.
Ontario 2026 Provincial Tax Brackets
| Taxable Income | Ontario Rate |
|---|---|
| $0 – $51,446 | 5.05% |
| $51,446 – $102,894 | 9.15% |
| $102,894 – $150,000 | 11.16% |
| $150,000 – $220,000 | 12.16% |
| Over $220,000 | 13.16% |
Ontario Surtax: An additional 20% surtax applies on Ontario provincial tax above $5,315, and a further 36% surtax on Ontario tax above $6,802. This calculator uses the standard bracket rates; surtax may cause slightly higher effective provincial rates for incomes in the $80K–$200K range.
View all provincial brackets → Compare Ontario to other provinces →
Ontario Income Tax — FAQ
Answers to common questions about Ontario's 2026 provincial income tax.
What are Ontario's 2026 income tax brackets?
Ontario uses five provincial tax brackets: 5.05% on the first $51,446; 9.15% on $51,446–$102,894; 11.16% on $102,894–$150,000; 12.16% on $150,000–$220,000; and 13.16% on income over $220,000.
What is the Ontario basic personal amount for 2026?
The 2026 Ontario basic personal amount is $11,865. This non-refundable tax credit reduces Ontario provincial tax by approximately $599 (5.05% × $11,865). The federal BPA of $15,705 provides an additional $2,355 reduction in federal tax.
What is the Ontario surtax and how does it affect me?
Ontario levies a provincial surtax of 20% on Ontario tax exceeding $5,315, and an additional 36% on Ontario tax exceeding $6,802. This effectively raises marginal rates for incomes above roughly $80,000. For a $150,000 income the real Ontario marginal rate is closer to 17.41% rather than the nominal 12.16%.
What is the Ontario Health Premium?
The Ontario Health Premium (OHIP premium) applies to taxable income over $20,000 and ranges from $60 to a maximum of $900 per year. At $200,000+ income the premium is $900. It is withheld from payroll automatically and is not reflected in TaxClear's bracket estimate.
How does Ontario's tax compare to other provinces?
Ontario has moderate provincial rates compared to the rest of Canada. Its top combined marginal rate of ~53.53% is higher than Alberta (48%) and Saskatchewan (~47.5%) but lower than Nova Scotia (~54%) and Newfoundland (~54.8%). Compare all provinces side by side →
Can I deduct RRSP contributions from Ontario taxes?
Yes. RRSP contributions reduce your net income, which reduces both federal and Ontario provincial tax. At a marginal rate of ~43.41% (federal 26% + Ontario 11.16% + surtax), a $10,000 RRSP contribution saves approximately $4,341 in combined taxes.