Ontario Income Tax Calculator 2025
This calculator uses the 2025 tax year — the return you file in 2026. Enter your income to estimate your federal and provincial tax, take-home pay and marginal rate.
Gross pay before income tax, CPP and EI.
These amounts are used to calculate non-refundable tax credits; they aren't cash payments. The calculator has already used them to reduce the tax estimate.
A real return can include other income, deductions and credits. We'll tell you where you actually stand, for free.
Book a Free Consultation — 15 minEstimate for standard T4 employment outside Quebec. It includes federal and provincial income tax, the applicable basic personal amounts, the Canada employment amount, employee CPP/CPP2 and EI. Age-based CPP choices or exemptions, multiple employers, partial-year employment, RRSP deductions, benefits, other income and personal credits can change the result.
What's specific to this year — 2025
Provincial brackets and basic personal amount for this year are in the table below.
How income tax works here
Ontario is a bit more complex than most provinces: on higher incomes it adds a surtax on top of the provincial tax, and it charges a separate Ontario Health Premium. This calculator includes both, so the estimate reflects them.
The tool combines federal and Ontario tax and applies the basic personal amount. For standard T4 employment, it also estimates the employee share of CPP/CPP2 and EI. Other income, deductions and personal credits aren't included.
Provincial income tax brackets — Ontario 2025
These are the provincial rates applied on top of federal tax, for this tax year. The calculator above combines both, plus the basic personal amount.
| Taxable income | Rate |
|---|---|
| Up to $52,886 | 5.05% |
| $52,886 – $105,775 | 9.15% |
| $105,775 – $150,000 | 11.16% |
| $150,000 – $220,000 | 12.16% |
| Over $220,000 | 13.16% |
FAQ
Yes. Both the Ontario surtax (on higher provincial tax) and the Ontario Health Premium are built into this estimate.
No — it's a quick estimate of federal and provincial income tax. Your actual return can include credits, deductions and other income that change the result.
2025 is the year most people are filing now; 2026 helps you plan ahead. The federal lowest rate is 14.5% for 2025 and 14% for 2026, so the numbers differ slightly.
Yes. The calculator treats the amount as T4 employment and includes the employee share of CPP/CPP2 and EI. Self-employed income needs a different calculation.
Want the real number, not an estimate?
Book a free call. We'll file your return properly — even a late or prior-year one — claim every credit you're entitled to, and tell you exactly where you stand.
Book a Free Consultation — 15 min