Federal + State + FICA
Ontario Income Tax Calculator – Estimate ON Provincial & Federal Taxes
Estimate federal, state, and local income tax for any US location. Enter a ZIP code to see your state on the map and get accurate state and local tax (e.g. NYC).
Your financial details
Enter a ZIP code to highlight your state
Tax estimate
Your results will appear here after you run the calculator.
What is the Ontario Income Tax Calculator?
A high-precision engine designed for the Canadian tax system in Ontario.
Federal Brackets
Calculates taxes across Canada's 5 progressive federal tiers, ranging from 15% to the top 33% rate.
Provincial Brackets
Includes Ontario's 5 specific progressive tax brackets, starting at 5.05% and scaling up to 13.16%.
Ontario Health Premium
Automatically factors in the tiered health premium (up to $900) required for all residents above $20k income.
CPP & EI Contributions
Accounts for mandatory Canada Pension Plan (CPP) and Employment Insurance (EI) payroll withholdings.
Basic Personal Amount
Applies both federal and Ontario basic personal amounts to ensure your first portion of income is tax-free.
Self-Employed Logic
A specialized module for Ontario freelancers to calculate double CPP (employer + employee shares).
2024/2025 Rates
Updated with the latest CRA and Ontario Ministry of Finance inflation adjustments and legislative changes.
Effective Rate
Visualizes exactly what percentage of your salary goes toward federal and provincial government obligations.
Why Use Our Ontario Tax Planning Tool?
Navigating the complexities of Canadian dual-tier taxation with precision.
Net Pay Accuracy
Know exactly what hits your bank account after federal and Ontario provincial withholdings are removed.
Budget for Toronto
Accurately calculate take-home pay to manage the high housing and living costs in the GTA and Ontario hubs.
Instant Results
Skip the manual T1 General worksheets. Get a professional-grade tax projection for Ontario in milliseconds.
Privacy Guaranteed
Your financial data remains 100% private. All calculations are performed locally inside your browser.
RRSP Strategy
See how traditional RRSP contributions lower your federal and provincial taxable income for higher savings.
Scenario Modeling
Compare take-home pay differences if you move to Ontario from BC, Alberta, or Quebec side-by-side.
Eliminate Errors
Avoid manual calculation mistakes by using our pre-tested algorithms that match the latest Ontario tax laws.
Audit Your Paystub
Verify that your employer is withholding the correct Ontario Health Premium and provincial tax amount.
How to Lower Your Ontario Tax Liability?
Strategic ways to keep more of your hard-earned money using Canadian tax laws.
Maximize RRSP
Contributions to your Registered Retirement Savings Plan lower your income at the top marginal rate.
Trillium Benefit
Check if you qualify for the Ontario Trillium Benefit, which combines property tax and energy credits.
Medical Expenses
Deduct non-reimbursed medical expenses if they exceed 3% of your income or the federal threshold.
Childcare Credit
Ontario offers the CARE tax credit for families to help offset the high costs of childcare and daycare.
Tuition Carry-Over
Utilize federal and Ontario provincial tuition tax credits to reduce your tax bill for post-secondary studies.
LIFT Credit
The Low-income Individuals and Families Tax (LIFT) Credit can reduce or eliminate Ontario personal income tax.
Charitable Gifts
Donations to registered Canadian charities provide a tiered tax credit for both federal and Ontario returns.
Professional Advice
Use our data as a foundation for a detailed discussion with an Ontario-licensed tax professional or CPA.
