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Combined federal + Ontario provincial tax estimate
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Claim $100 Bonus →| Federal Taxable Income | Rate |
|---|---|
| $0 – $57,375 | 15% |
| $57,376 – $114,750 | 20.5% |
| $114,751 – $158,519 | 26% |
| $158,520 – $220,000 | 29% |
| Over $220,000 | 33% |
| Ontario Taxable Income | Rate |
|---|---|
| $0 – $51,446 | 5.05% |
| $51,447 – $102,894 | 9.15% |
| $102,895 – $150,000 | 11.16% |
| $150,001 – $220,000 | 12.16% |
| Over $220,000 | 13.16% |
Ontario also has a surtax of 20% on provincial tax over $5,315 and 36% on provincial tax over $6,802.
Ontario's basic personal amount is $11,865 for 2026. This reduces your provincial taxable income before Ontario's brackets are applied. The federal BPA is $16,129 — each applies separately to its respective tax calculation.
Ontario is one of the few provinces that charges a surtax — an additional tax on top of your provincial tax. If your Ontario tax payable exceeds $5,315, you pay an extra 20% on the excess. If it exceeds $6,802, you pay an additional 36% on that portion. For high earners, this effectively raises Ontario's top marginal rate to over 13%.
Residents earning over $20,000 pay the Ontario Health Premium annually. It ranges from $0 (under $20,000) to a maximum of $900 (income over $200,600). This is deducted from your paycheck and reported on your T4.
When federal and Ontario provincial rates are combined, Ontario residents face some of the highest marginal rates in Canada. At $220,000+, the combined marginal rate reaches approximately 53.5%. At $100,000, it's around 43.4%. Planning RRSP contributions and income splitting strategies are especially valuable in Ontario.
Lower-income Ontario residents may qualify for the Ontario Trillium Benefit — a combination of the Ontario Energy and Property Tax Credit, Northern Ontario Energy Credit, and Ontario Sales Tax Credit. This can add up to several hundred dollars annually and is paid monthly once filed.