Free Tool · Canada
Ontario Tax Calculator (2026)
Use this free Ontario income tax calculator to estimate your 2026 federal and provincial taxes, take-home pay, and marginal rate from your annual salary or hourly wage. Enter RRSP contributions and other common deductions to see your after-tax income instantly.
How this Ontario tax calculator works
This tool applies the 2026 projected federal and Ontario tax brackets to your taxable income — your gross income minus RRSP contributions, union dues, childcare expenses and other deductions. It then subtracts the basic personal amount as a non-refundable credit at the lowest bracket rate to estimate your tax owing.
Switch to hourly pay to convert your rate, weekly hours and paid weeks into a yearly total before tax is calculated. The results show your estimated take-home pay, average tax rate and combined marginal tax rate.
This estimate excludes CPP/EI premiums, Ontario Health Premium, dividend gross-up, capital-gains inclusion, and most tax credits beyond the basic personal amount. For a full review, see our 2026 Canadian tax bracket guide or book a session with EstherIBK CPA.
General information only — not personal tax advice. Confirm with the CRA's official tax package before filing.
Ways to lower your Ontario income tax
- Maximize RRSP contributions. Contributions reduce your taxable income and can move you into a lower bracket.
- Claim deductions you qualify for. Union dues, professional fees and childcare expenses lower taxable income.
- Use TFSAs and FHSA for tax-free growth. Investment income inside these accounts does not generate immediate tax.
- Split income where permitted. Pension splitting and spousal RRSPs can reduce household tax.