Ontario tax brackets 2026
Ontario has 5 provincial tax brackets in 2026, from 5.05% to 13.16%. The provincial basic personal amount is $12,989.
| Provincial rate | Taxable income |
|---|---|
| 5.05% | $0 – $53,891 |
| 9.15% | $53,891 – $107,785 |
| 11.16% | $107,785 – $150,000 |
| 12.16% | $150,000 – $220,000 |
| 13.16% | $220,000 and up |
Living and working in Ontario
Ontario has relatively low provincial rates on the first bracket, but adds two surtaxes on higher provincial tax and the Ontario Health Premium of up to $900. Together they make the combined marginal rate climb faster than the brackets suggest.
- The Ontario Tax Reduction can cut or eliminate provincial tax for low incomes.
- Housing in the Greater Toronto Area is among the most expensive in Canada.
Largest cities: Toronto, Ottawa, Mississauga, Hamilton.
Take-home pay in Ontario by salary
| Salary | Take-home / year | Per month | Bi-weekly | Deductions |
|---|---|---|---|---|
| $30,000 | $25,482 | $2,124 | $980 | 15.1% |
| $40,000 | $32,814 | $2,734 | $1,262 | 18.0% |
| $50,000 | $40,145 | $3,345 | $1,544 | 19.7% |
| $60,000 | $47,340 | $3,945 | $1,821 | 21.1% |
| $70,000 | $53,786 | $4,482 | $2,069 | 23.2% |
| $80,000 | $60,303 | $5,025 | $2,319 | 24.6% |
| $100,000 | $74,206 | $6,184 | $2,854 | 25.8% |
| $120,000 | $87,343 | $7,279 | $3,359 | 27.2% |
| $150,000 | $104,320 | $8,693 | $4,012 | 30.5% |
| $200,000 | $131,278 | $10,940 | $5,049 | 34.4% |
Where your money goes
- Take-home pay$47,34078.9%
- Federal income tax$5,3388.9%
- Ontario income tax$2,9825.0%
- CPP contributions$3,3625.6%
- Employment Insurance$9781.6%
- Federal income tax ($5,338). Federal brackets apply to $59,435 of taxable income, minus non-refundable credits such as the basic personal amount.
- Ontario income tax ($2,982). Each province has its own brackets and credits, and Ontario adds a surtax and the Ontario Health Premium.
- CPP contributions ($3,362). Builds your public pension; your employer pays the same amount on top.
- Employment Insurance ($978). Insurance for job loss, sickness and parental leave, up to the maximum insurable earnings.
Take-home pay in every province and territory
Provincial taxes make a real difference. On $60,000, take-home pay ranges from $44,726 in Nova Scotia to $48,773 in Nunavut.
How RRSP contributions change your pay
RRSP and pension plan contributions reduce your taxable income, so the government effectively funds part of your retirement saving.
| Contribution | Saved per year | Take-home pay | Per month | Tax saved |
|---|---|---|---|---|
| None | $0 | $47,340 | $3,945 | — |
| 3% | $1,800 | $46,016 | $3,835 | $476 |
| 5% | $3,000 | $45,094 | $3,758 | $754 |
| 8% | $4,800 | $43,710 | $3,643 | $1,170 |
| 10% | $6,000 | $42,769 | $3,564 | $1,430 |
What this salary buys you
With $3,945 arriving each month, here is a simple budget: half for essentials, 30% for lifestyle, 20% for savings.
- Using the 30% rule, a comfortable rent is up to $1,500 per month.
- This salary is 1.6 times the Ontario minimum wage of $17.95 an hour.
Frequently asked questions
What are the Ontario tax brackets for 2026?
Ontario provincial rates range from 5.05% to 13.16%, on top of federal tax.
How much is $60,000 after tax in Ontario?
About $47,340 a year, or $3,945 per month.
What is the minimum wage in Ontario?
About $17.95 per hour.
What deductions come off a paycheque in Ontario?
Federal and provincial income tax, CPP and EI, plus any pension or benefit deductions.
Figures use CRA and Revenu Québec 2026 federal and provincial brackets, basic personal amounts, CPP/QPP, EI and QPIP rates for an employee. Read our methodology. Last updated September 25, 2026. Estimates for information only, not tax advice.