Ontario Tax Calculator 2025
Calculate Ontario provincial income tax, federal tax, CPP, EI, and HST. Get accurate tax estimates for Toronto, Ottawa, Mississauga, and all Ontario cities with current tax brackets and deductions.
🍁 Ontario Tax Information
Ontario has progressive tax rates from 5.05% to 13.16%, plus 13% HST (combined GST+PST) on most goods and services.
Canadian Income Tax Calculator 2024
Calculate federal and provincial income tax for all provinces and territories
Tax Information
Tax rates vary by province/territory
Tax-deductible retirement savings
Union dues, professional fees, etc.
Tax Calculation Results
Enter your income information and click "Calculate Tax"
🍁 Important Information
- • All provinces and territories included
- • 2024 tax brackets and rates
- • CPP/QPP and EI contributions calculated
- • Quebec includes QPIP contributions
📋 Tax Features
- • Federal and provincial tax brackets
- • RRSP deductions supported
- • Marginal and effective tax rates
- • Complete payroll deduction calculation
Legal Notice: This calculator provides estimates based on 2024 Canadian tax rates and is for informational purposes only. Actual tax obligations may vary based on individual circumstances, credits, and deductions. Consult a tax professional or the Canada Revenue Agency (CRA) for precise calculations.
Understanding Ontario Taxes in 2025
🍁 Ontario Tax Brackets & Rates
Ontario uses a progressive tax system with 5 tax brackets ranging from 5.05% to 13.16%. Combined with federal taxes, your marginal rate can reach 53.53% for high earners. Understanding which bracket you fall into helps with tax planning, RRSP contributions, and income splitting strategies.
💰 Maximizing Ontario Tax Deductions
Take advantage of RRSP contributions (immediate tax deduction), claim all work-from-home expenses if eligible, maximize childcare deductions (up to $8,000/child under 7, $5,000 ages 7-16), and don't miss medical expenses over the threshold. Keep detailed records and receipts for all claims to support CRA audits.
🏠 Ontario Credits for Homeowners
Ontario homeowners can claim: Ontario Energy and Property Tax Credit (OEPTC) for seniors and low-income residents, land transfer tax rebate for first-time buyers (up to $4,000), and home renovation tax credits for accessibility improvements. Toronto residents can also claim the Toronto Land Transfer Tax rebate.
📊 Ontario vs Other Provinces
Ontario has middle-of-the-road tax rates compared to other provinces. Alberta has the lowest provincial tax (10% flat above basic amount), while Nova Scotia and Newfoundland have the highest (up to 21%). Quebec has the highest combined rates but offers more social programs. Consider provincial tax differences when planning relocations.
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Frequently Asked Questions
What are the Ontario income tax rates for 2025?
Ontario has 5 tax brackets: 5.05% on income up to $51,446; 9.15% from $51,447-$102,894; 11.16% from $102,895-$150,000; 12.16% from $150,001-$220,000; and 13.16% on income over $220,000. These are in addition to federal tax rates. Combined marginal rates range from 20.05% to 53.53% for top earners.
How much is HST in Ontario?
Ontario charges 13% HST (Harmonized Sales Tax), which combines the 5% federal GST and 8% provincial portion. HST applies to most goods and services, with exceptions for basic groceries, prescription drugs, and residential rent. Some items like books and children's clothing are GST/HST exempt.
What is the Ontario basic personal amount for 2025?
The Ontario basic personal amount for 2025 is $11,865, meaning the first $11,865 of income is tax-free at the provincial level. Combined with the federal basic personal amount of $15,705, you can earn up to these amounts before owing income tax. This reduces your Ontario tax by approximately $605.
How do CPP and EI work in Ontario?
CPP (Canada Pension Plan) contributions are 5.95% of pensionable earnings between $3,500 and $68,500 (2025 maximum), capped at $3,867.50/year. EI (Employment Insurance) is 1.66% of insurable earnings up to $63,200, maxing out at $1,049/year. Self-employed individuals pay double CPP but can opt out of EI.
What tax deductions are available to Ontario residents?
Common Ontario deductions include: RRSP contributions (up to 18% of earned income), union/professional dues, childcare expenses, moving expenses (40km+ for work/school), carrying charges and interest on investments, home office expenses (if self-employed), and medical expenses exceeding 3% of net income or $2,759.
How does Ontario surtax work?
Ontario charges additional surtax on provincial tax owing: 20% surtax on Ontario tax between $5,315-$6,802, and 56% surtax on Ontario tax exceeding $6,802. This effectively increases the top marginal rate. The surtax only applies after all credits and deductions, and kicks in at approximately $90,000+ income.
What Ontario tax credits can reduce my taxes?
Key Ontario tax credits include: Ontario Energy and Property Tax Credit (seniors/low income), Ontario Sales Tax Credit (low/moderate income families), Ontario Political Contribution Tax Credit, Healthy Homes Renovation Tax Credit (seniors/accessibility), Children's Activity Tax Credit, and various education-related credits. Many are income-tested.
When are Ontario tax payments and returns due?
Tax returns are due April 30 for employees (June 15 for self-employed, but payment still due April 30). Installments are required if you owe $3,000+ in federal tax or $1,200+ in Ontario tax. Quarterly installments are due March 15, June 15, September 15, and December 15. Late filing penalties are 5% of balance owing plus 1% per month.