Ontario Tax Brackets Visualizer — 2026

One-page calculator to see your taxable income, estimated total tax, and exactly which bracket you’re in (Federal + Ontario). RRSP and business expenses reduce taxable income.

Model: Income tax only (BPA credit + ON surtax). No CPP/EI/other credits.

Tip: type numbers like 120000 or 120,000

Income (gross) Business expenses (deduction) RRSP contribution (deduction) Tax already paid (withholding/instalments)

Taxable income

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Income − expenses − RRSP

Total tax (est.)

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Federal + Ontario + ON surtax

Tax paid

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Already remitted

Balance

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Total tax − paid

Combined marginal rate

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Fed bracket + ON bracket

Federal brackets (highlight = “You are here”)

Filled bar shows how far you’ve progressed through that bracket.

Taxable: —

Ontario brackets (highlight = “You are here”)

Ontario surtax is included in total tax estimate.

Taxable: —

What “bracket” means: Your bracket is where your last dollar of taxable income falls (marginal rate). RRSP and business expenses can lower taxable income and drop you into a lower bracket.

Federal BPA + Ontario BPA credits are applied (simplified as BPA × lowest rate), and Ontario surtax is applied using the 2026 thresholds.