Ontario Income Tax Calculator
Calculate your Ontario income tax — provincial rates 5.05%–13.16% combined with federal brackets for your total Canadian tax bill.
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How to use this calculator
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Ontario has a 5.05%–13.16% provincial income tax on top of federal rates.
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Ontario also has a surtax (20%–36% on top of basic provincial tax) for higher earners — this is a tax on a tax.
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Combined federal + Ontario top marginal rate is 53.53% on income above $220,000.
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RRSP contributions reduce taxable income at your marginal rate — for a top-bracket Ontario earner, that's 53.53 cents saved per dollar contributed.
Frequently asked questions
What are Ontario's 2024 income tax rates?
Ontario provincial rates: 5.05% on first $51,446; 9.15% ($51,446–$102,894); 11.16% ($102,894–$150,000); 12.16% ($150,000–$220,000); 13.16% above $220,000. Ontario also has a surtax: 20% on provincial tax above $5,315 + 36% on provincial tax above $7,307. The surtax is why Ontario's effective top rate (53.53% combined) is higher than the bracket rates suggest.
What is the Ontario surtax?
The Ontario surtax is an additional tax levied on top of basic Ontario income tax. It applies at 20% on the amount of Ontario tax above $5,315, and an additional 36% on Ontario tax above $7,307. This means high earners effectively pay more than the top 13.16% bracket — the surtax pushes the combined provincial rate on high incomes to about 20.53% before the federal layer.
How does Toronto compare to other major Canadian cities for taxes?
At $100,000: Toronto (ON) take-home ~$70,500. Vancouver (BC) ~$71,000. Calgary (AB) ~$73,500. Montreal (QC) ~$67,500. At $200,000: Calgary leads with ~$138,000 take-home vs. Toronto ~$120,000. Alberta's no-PST advantage and lower provincial rates make it the most tax-competitive major province for higher earners.
Does Ontario have any tax credits I should know about?
Key Ontario credits: Ontario Basic Personal Amount ($11,865); Ontario Sales Tax Credit (up to $324/person for lower-income families); Ontario Trillium Benefit (combines property tax, energy, and sales tax credits); Ontario Senior Homeowners' Property Tax Grant (up to $500); Ontario Children's Activity Tax Credit (eliminated at federal level but Ontario kept it briefly). RRSP, TFSA, and CPP are federal programs affecting all provinces.
Ontario Income Tax Calculator 2024 — Provincial + federal combined
Ontario vs Alberta income tax: the numbers
Ontario's high provincial rates plus the surtax create a significant gap with Alberta. On $120,000 income: Ontario provincial tax ~$10,500; Alberta provincial tax ~$7,800. On $200,000: Ontario ~$23,500 provincial; Alberta ~$14,800. The difference ($8,700/year at $200K) is one reason high earners in Alberta have far more disposable income, though Ontario's access to services and economic opportunities attracts many despite higher taxes.
Learn more from an authoritative source:
InvestopediaBC Income Tax Calculator
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →