Calculators · 2026 · Ontario

Put your own numbers in

Three tools using 2026 federal and Ontario rates, including the Ontario surtax and health premium. Everything runs in your browser — nothing you type is sent anywhere or stored.

Take-home pay estimator

Employment income for an Ontario resident, 2026 tax year.

Annual employment income

RRSP deduction claimed

Federal tax{{ fedTax }}

Ontario tax + surtax{{ onTax }}

Ontario health premium{{ healthPrem }}

CPP + CPP2{{ cppTotal }}

EI premiums{{ ei }}

Total off your pay{{ totalOff }}

Estimated take-home

{{ monthly }} a month

Marginal rate

tax on your next dollar

Average rate

income tax ÷ gross income

Estimate only. Assumes T4 employment income, an Ontario resident claiming only the basic personal, CPP and EI credits, and no dependants, dividends or other income. It excludes the Ontario tax reduction for low incomes.

RRSP room & refund

Your 2026 room is 18% of 2025 earned income, capped at $33,810, plus unused room carried forward.

2025 earned income

Unused room carried forward

Contribution you're considering

Your 2026 income

Estimated 2026 room

Tax saved by contributing

Ignores pension adjustments, which reduce room if you're in a workplace pension plan. Always confirm the exact figure on your notice of assessment or in CRA My Account before contributing — the $2,000 cushion is the only forgiveness there is.

Which credits should I be looking at?

Tick anything that applied to you during the year. Nothing here is a substitute for checking eligibility — it's a prompt list, so you don't leave money on the table.

Worth a look

Have a CPA check the list with you →

A calculator can't see the whole picture

Dividends, a rental, a spouse with different income, a property sale, a corporation — any one of those changes the answer materially. That's what the conversation is for.

Book a call