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🍁 Ontario Income Tax Calculator
Ontario is Canada's most populous province with a progressive income tax up to 20.53% including the provincial surtax.
Uses 2025 tax-year brackets
Ontario Provincial Tax Facts (2025 tax year)
Provincial rates: 5.05%–20.53% (including surtax)
Ontario Surtax applies above ~$5,315 provincial tax payable
HST of 13% on most goods and services
20.53%
Top provincial rate
On top of federal income tax, Ontario residents pay up to 20.53% in provincial income tax. Use the calculator above to see your combined effective rate.
Frequently Asked Questions
What is the income tax rate in Ontario?+
How do I calculate my take-home pay in Ontario?+
Filing Taxes in Ontario: What the Rate Table Doesn't Tell You
How filing works here
Ontario layers a progressive provincial tax (5.05%–13.16% across five brackets) under the federal system, and then adds a provincial surtax on top of the provincial tax itself once it exceeds about $5,315 — which is why the all-in top marginal rate is usually quoted as 20.53%. You file one combined T1 return; the CRA administers both levels. Ontario also levies a Health Premium of up to $900, folded into the provincial calculation based on taxable income.
The local quirk to know
Ontario's credit system is where the money hides. The Ontario Trillium Benefit bundles the sales-tax credit, energy and property-tax credit, and Northern Ontario energy credit into monthly payments — many renters qualify for the property-tax component without owning anything. The Low-Income Individuals and Families (LIFT) credit and the Ontario Child Care Tax Credit stack further. These are claimed on the ON-BEN application attached to the return, and they are missed more often than any other provincial benefit.
Planning note
At the top end, Ontario's combined federal-plus-provincial marginal rate exceeds 53%, which makes RRSP contributions unusually powerful: a dollar contributed at the top bracket saves over fifty cents of tax. At the bottom end, the interaction of benefit phase-outs (Trillium, GST/HST credit, Canada Workers Benefit) can create effective marginal rates above 40% on modest earnings — the classic welfare-wall. Both extremes reward the same habit: model the full stack, not just the bracket table.
Written by Alex Chen. Tax rules change — confirm current-year figures with the CRA before filing.
Go Beyond Tax — Plan Your Full Financial Picture
Your Ontario take-home pay is the starting point. Map every dollar in a monthly budget and see how your savings compound over time.
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