Your Tax Breakdown
What This Calculator Does
This calculator estimates your Ontario income tax for the 2026 tax year using current CRA rates. Enter your annual gross employment income and it computes federal income tax, Ontario provincial income tax with surtax where applicable, CPP contributions under both CPP1 and CPP2, EI premiums, and the Ontario Health Premium. Federal and Ontario basic personal amounts are applied as non-refundable tax credits. Results show your total tax, net income, effective rate, and marginal rates for both federal and Ontario brackets. All calculations run in your browser — no data is stored or sent.
What Is Not Included
Results are estimates for a typical Ontario employee with a single employer and may not reflect your actual tax. This calculator does not account for RRSP contributions, childcare deductions, union dues, pension plan contributions, or other deductions that reduce taxable income. It does not include charitable donation credits, tuition or medical expense credits, spousal or dependent amounts, disability credits, or other individual tax credits. Investment income, self-employment income, and non-standard pay arrangements are outside scope. For questions about tax brackets, the Ontario surtax, the Health Premium, and how raises or overtime affect your tax, see the FAQ. For precise calculations, consult a tax professional or the CRA Payroll Deductions Online Calculator.
Comparing Take-Home at Different Salaries
Enter two different salaries — for example, $75,000 and $120,000 — and compare the calculator results side by side. You will see how crossing federal and Ontario bracket thresholds, triggering the Ontario surtax, and entering higher Ontario Health Premium tiers each change your effective rate and take-home pay. The calculator shows every bracket, credit, and deduction so you can understand exactly where the differences come from. Try your own income to see your personal breakdown.