What are the Ontario tax brackets for 2026?

Ontario's 2026 brackets are 5.05% to $53,891, 9.15% to $107,785, 11.16% to $150,000, 12.16% to $220,000 and 13.16% above $220,000. Each rate applies only to the income inside that band, on top of federal tax.

What is the Ontario basic personal amount for 2026?

$12,989, claimed as a non-refundable credit at 5.05%, worth $655.94. Many calculators still show the 2025 figure of $12,747 — that is out of date.

What is take-home pay in Ontario on $70,000?

$53,786.26 a year ($4,482.19 a month) in 2026. Federal tax is $7,278.19, Ontario tax is $3,255.73, the Ontario Health Premium is $600, CPP is $3,956.75 and EI is $1,123.07.

What is the Ontario Health Premium?

A tax collected through your Ontario return on taxable income above $20,000. It is capped by band — $600 for incomes between $48,000 and $72,000, up to $900 above $200,000. It is not a health insurance premium you choose to pay.

What is the Ontario minimum wage in 2026?

$17.95 an hour from 1 October 2026 ($17.60 before that). Students under 18 get $16.90 and homeworkers $19.70.

When does Ontario surtax apply?

When your Ontario tax (after credits) exceeds $5,818 — roughly above $95,000 of taxable income. You pay 20% on the excess up to $7,446, then a further 36% above that.

Ontario Tax Brackets 2026

TL;DR: Ontario income tax in 2026 runs from 5.05% on the first $53,891 to 13.16% above $220,000, on top of federal tax (14% to 33%). The basic personal amount is $12,989. On a $70,000 salary, Ontario tax is $3,255.73 plus a $600 Ontario Health Premium, and take-home pay is $53,786.26 a year. Searches for “ontario tax brackets” jumped 3,750% in the last three months — this page has the verified 2026 figures, not last year's.

Ontario tax brackets 2026

Taxable income	Rate
Up to $53,891	5.05%
$53,891 – $107,785	9.15%
$107,785 – $150,000	11.16%
$150,000 – $220,000	12.16%
Over $220,000	13.16%

Each rate applies only to the slice of income inside that band. The $150,000 and $220,000 thresholds are fixed dollar amounts — unlike the lower thresholds, they are not indexed to inflation. The 2026 brackets were indexed by 1.9% from 2025. Warning: many online calculators still show the 2025 thresholds ($52,886 and $105,775) and a basic personal amount of $12,747 labelled as 2026. Those are last year's figures — the official 2026 numbers above come from the CRA's current-year page and Guide T4032-ON.

The basic personal amount and credits

Every Ontario resident gets a basic personal amount of $12,989 for 2026, claimed as a non-refundable credit at 5.05% — worth $655.94 of tax. Base CPP contributions and EI premiums are also claimed as credits at 5.05%. There is no Ontario equivalent of the federal Canada employment amount, so do not expect a further $1,501 credit on the provincial return. Ontario also has a tax reduction of $300 (plus $575 per dependant under 18), but it only matters at low incomes and is nil at $70,000.

Ontario surtax and the Health Premium

Two Ontario extras catch people by surprise. The surtax adds 20% of the Ontario tax above $5,818, and a further 36% above $7,446 — it only bites once your Ontario tax passes those thresholds, roughly above $95,000 of taxable income. The Ontario Health Premium (OHP) is charged on taxable income above $20,000, capped by band: $300 up to $36,000, $450 up to $48,000, $600 up to $72,000, $750 up to $200,000 and $900 above that. It is not a premium you choose to pay — it is collected through your tax return, and it is not the same thing as OHIP coverage.

Worked example: $70,000 salary in Ontario

	Amount
Gross salary	$70,000.00
Taxable income (after the 1% additional CPP deduction)	$69,335.00
Federal tax	$7,278.19
Ontario tax	$3,255.73
Ontario Health Premium	$600.00
CPP	$3,956.75
EI	$1,123.07
Take-home pay	$53,786.26 a year ($4,482.19 a month)

Your marginal rate at $70,000 is 29.65% (20.5% federal + 9.15% Ontario), so each extra dollar of pay keeps about 70 cents after income tax. Cross the $107,785 threshold and the Ontario rate rises to 11.16%, taking the combined marginal rate to 31.66%.

Ontario minimum wage 2026

Ontario's general minimum wage is $17.95 an hour from 1 October 2026 ($17.60 from 1 October 2025 to 30 September 2026). Students under 18 get $16.90 and homeworkers $19.70. On a full-time 40-hour week, $17.95 an hour is $37,336 a year before tax. At that income, federal and Ontario tax after credits are small, and take-home pay is close to $33,000 a year — try it in the Take Home Pay Calculator Canada.

Ontario vs the other provinces

Ontario sits in the middle of the pack. Alberta is cheaper — an 8% first bracket, a $22,769 basic personal amount and no health premium. British Columbia's first bracket rose to 5.60% in 2026 but its thresholds are higher, so BC is usually cheaper than Ontario below about $110,000. Quebec costs more at most incomes: a 14% first bracket, QPP at 6.30% and QPIP on top. The exact ranking depends on your income, so compare your own figure with the calculator rather than guessing.

Sources: Canada Revenue Agency, “Current year tax rates and income brackets (2026)” and Guide T4032-ON (Jan 2026); Government of Ontario, “Minimum wage” (Employment Standards Act guide) and 2026 Fall Statement. Checked 13 November 2026.

Important: All content is general information and not professional financial advice, not tax advice, and not a substitute for advice from a qualified adviser. Figures are estimates for the 2026 tax year (1 January – 31 December 2026) and can change. Your actual pay depends on your province, tax credits, RRSP contributions and other deductions. Check the current figures on canada.ca or speak to a qualified adviser before acting.