2026 Tax Year · Ontario

Ontario income tax brackets 2026

Q: What are the Ontario income tax brackets for 2026?

Ontario's 2026 provincial brackets start at 5.05% on the first $52,886 and climb to a top provincial rate of 13.16% on income above $220,000. Add the federal brackets on top (14.00% to 33.00%) and your combined top marginal rate is 46.16% . The full schedule is in the table above. Every figure is verified at the Ontario finance ministry source.

Q: What is the Ontario basic personal amount in 2026?

Ontario's 2026 basic personal amount (BPA) is $12,989 — the slice of income that's effectively tax-free at the provincial level. The federal BPA is $16,452 (phased down to $14,829 for high earners). Both are non-refundable credits applied at the lowest bracket rate (14.00% federally, 5.05% in Ontario), so the dollar value of the BPA is each amount multiplied by that rate.

Q: How much income tax will I pay in Ontario on a $80,000 salary?

At $80,000 of employment income in 2026, a Ontario resident under 65 with no RRSP deduction takes home roughly $59,642 — that's 25.45% of gross income going to combined federal tax, Ontario provincial tax, CPP and EI. Drop your real numbers into the calculator for a take-home matched to your situation (RRSP contribution, age, eligible pension income).

Q: Where does Ontario rank against the other provinces and territories?

At $80,000 of income, Ontario ranks #6 of 13 jurisdictions by take-home — in the middle of the pack. The leader is Nunavut ($61,732 take-home) and the most-taxed is Nova Scotia ($55,576). The full table is just above this FAQ.

Every Ontario provincial bracket, basic personal amount, age amount and combined federal+provincial marginal rate for the 2026 tax year — verified at the Ontario source. Combined top marginal: 46.16%. At $80,000 of income, you keep about $59,642 (rank #6 of 13 provinces and territories).

Open the calculator Jump to brackets

Combined brackets

Ontario + federal marginal rates (2026)

Every row shows a taxable-income band and the combined marginal rate applied to it — federal plus Ontario provincial — so you can see at a glance what the next dollar of income costs at your level.

Taxable income	Federal	Ontario	Combined
$0 – $52,886	14.00%	5.05%	19.05%
$52,886 – $58,523	14.00%	9.15%	23.15%
$58,523 – $105,775	20.50%	9.15%	29.65%
$105,775 – $117,045	20.50%	11.16%	31.66%
$117,045 – $150,000	26.00%	11.16%	37.16%
$150,000 – $181,440	26.00%	12.16%	38.16%
$181,440 – $220,000	29.00%	12.16%	41.16%
$220,000 – $258,482	29.00%	13.16%	42.16%
Above $258,482	33.00%	13.16%	46.16%

Personal credits

Ontario basic credits (2026)

Basic Personal Amount $12,989

First $12,989 of income is sheltered from Ontario tax at the 5.05% credit rate ($656 in tax savings).

Age Amount (65+) $6,342

Reduces by 15% of income above $47,210; gone entirely above $89,490.

Pension Income Amount $1,796

Up to $1,796 of eligible pension income (RRIF, RPP, LIF) generates a 5.05% provincial credit.

Federal BPA $16,452

Phases down to $14,829 between $181,440 and $258,482 of taxable income.

Surtax: 20.00% on provincial tax payable above $5,818.

Surtax: 36.00% on provincial tax payable above $7,442.

Ontario Health Premium: tiered from $0 to $900/year based on taxable income.

Ontario surtaxes: 20% on Ontario tax above $5,818 and an additional 36% above $7,442 (combined 56% above $7,442). Thresholds are preliminary — confirm at the 2026 ON428 schedule.
Health Premium schedule unchanged since 2005 — encoded as the simplified tier amounts ($0–$900); the actual law has small transition bands between tiers we don't model.
Top thresholds at $150,000 and $220,000 are statutory (not indexed).

Take-home pay

Ontario take-home pay by salary (2026)

A Ontario resident under 65 with no RRSP deduction. CPP and EI modelled. Drop in your real numbers — including RRSP contribution and age — in the calculator.

Gross income	Federal tax	Ontario tax	CPP	EI	Total deductions	Take-home	Avg rate
$30,000	$1,608	$1,159	$1,577	$489	$4,832	$25,168	16.11%
$50,000	$4,195	$2,469	$2,767	$815	$10,246	$39,754	20.49%
$75,000	$8,518	$4,788	$4,246	$1,123	$18,676	$56,324	24.90%
$100,000	$13,643	$7,177	$4,646	$1,123	$26,590	$73,410	26.59%
$150,000	$25,706	$15,299	$4,646	$1,123	$46,774	$103,226	31.18%
$250,000	$53,965	$34,887	$4,646	$1,123	$94,621	$155,379	37.85%

How Ontario ranks

Ontario vs every other province at $80,000

Same income, same deductions, only the province changes. Sorted by take-home — best at the top.

#	Province / territory	Total tax + payroll	Take-home	Avg rate	vs. Ontario
1	Nunavut	$18,268	$61,732	22.83%	+$2,091 more
2	Northwest Territories	$19,488	$60,512	24.36%	+$870 more
3	British Columbia	$19,546	$60,454	24.43%	+$812 more
4	Yukon	$19,738	$60,262	24.67%	+$620 more
5	Alberta	$20,067	$59,933	25.08%	+$291 more
6	Ontario	$20,358	$59,642	25.45%	you live here
7	Saskatchewan	$21,882	$58,118	27.35%	-$1,524
8	New Brunswick	$22,621	$57,379	28.28%	-$2,263
9	Manitoba	$22,692	$57,308	28.37%	-$2,334
10	Quebec	$23,125	$56,875	28.91%	-$2,767
11	Newfoundland and Labrador	$23,148	$56,852	28.94%	-$2,790
12	Prince Edward Island	$23,561	$56,439	29.45%	-$3,202
13	Nova Scotia	$24,424	$55,576	30.53%	-$4,066

Common questions

Ontario income tax — common questions

What are the Ontario income tax brackets for 2026?

Ontario's 2026 provincial brackets start at 5.05% on the first $52,886 and climb to a top provincial rate of 13.16% on income above $220,000. Add the federal brackets on top (14.00% to 33.00%) and your combined top marginal rate is 46.16%. The full schedule is in the table above. Every figure is verified at the Ontario finance ministry source.

What is the Ontario basic personal amount in 2026?

Ontario's 2026 basic personal amount (BPA) is $12,989 — the slice of income that's effectively tax-free at the provincial level. The federal BPA is $16,452 (phased down to $14,829 for high earners). Both are non-refundable credits applied at the lowest bracket rate (14.00% federally, 5.05% in Ontario), so the dollar value of the BPA is each amount multiplied by that rate.

How much income tax will I pay in Ontario on a $80,000 salary?

At $80,000 of employment income in 2026, a Ontario resident under 65 with no RRSP deduction takes home roughly $59,642 — that's 25.45% of gross income going to combined federal tax, Ontario provincial tax, CPP and EI. Drop your real numbers into the calculator for a take-home matched to your situation (RRSP contribution, age, eligible pension income).

Where does Ontario rank against the other provinces and territories?

At $80,000 of income, Ontario ranks #6 of 13 jurisdictions by take-home — in the middle of the pack. The leader is Nunavut ($61,732 take-home) and the most-taxed is Nova Scotia ($55,576). The full table is just above this FAQ.

Should I make an RRSP contribution to reduce my Ontario tax bill?

An RRSP contribution reduces taxable income dollar-for-dollar, so the refund is your combined marginal rate times the amount you contribute. At a Ontario top marginal rate of 46.16%, a $10,000 RRSP contribution returns about $4,616 at tax time. The calculator shows the exact refund for your income level. For the deeper RRSP-vs-TFSA decision (the refund is not free — you pay tax on RRSP withdrawals later), use our RRSP vs TFSA calculator.

Are there extra Ontario taxes beyond the bracket rates?

Ontario layers a surtax on provincial tax payable — 20.00% on provincial tax above $5,818, and 36.00% on provincial tax above $7,442. The calculator above applies it automatically. Ontario also charges an Ontario Health Premium that scales from $0 to $900/year depending on taxable income.

Brackets and credits verified at the Ontario source on June 12, 2026. The figures here will be re-verified each January when 2027 indexation is published.