Provincial profile · 2026 tax year
Ontario marginal tax brackets
Ontario's 5-bracket personal income-tax schedule for 2026, and what its rates mean for your RRSP-versus-TFSA decision.
- 13.16%
- Top provincial rate
- #12/13
- By top rate
- 5
- Brackets
- 46.16%
- Combined top rate
Ontario vs all provinces by top marginal rate
Where Ontario's 2026 top provincial rate sits among every jurisdiction in the PlainRRSP corpus (higher = more RRSP deferral value per dollar)
13% Top 92% higher top rate than 8% of 13 provinces
Jurisdictions, banded by top provincial marginal rate
Each bar is a band; taller bars hold more provinces. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Provincial finance-ministry schedules · 2026-05-20
Where Ontario sits by bracket count
Ontario has 5 provincial brackets among 13 jurisdictions (schedule inventory, not a rate-quality ranking). Orthogonal to the top-rate charts below.
Ontario vs all provinces by bracket count
Where this province's schedule length sits among every tracked jurisdiction
5 7th of 13 higher than 6 of 13 provinces
Jurisdictions, banded by provincial bracket count
Each bar is a band; taller bars hold more provinces. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CRA provincial tax schedules · 2026-05-20
The top provincial bracket in Ontario is taxed at 13.16% for 2026, with the federal rate layered on top.
Ontario's 2026 schedule has 5 provincial brackets, 5.05% to 13.16%. Once the federal top rate (33.00%, above $258,482) is stacked on, the combined top marginal rate is 46.16%; Ontario ranks 12 of 13 provinces and territories on that measure. Ontario also levies a provincial surtax on top of this bracket-based rate, which is not included in the 46.16% figure above; see the methodology page for details.
- 13.16% top provincial rate
- 46.16% combined top rate
- #12/13 by top rate
- 5 brackets
The verdict
Ontario's RRSP deferral ceiling, 46.16% combined tax sheltered per dollar for a top-bracket resident - sitting between Northwest Territories and Nunavut in the national ranking.
- 13.16%
- Ontario top rate
- 33.00%
- federal top rate (above $258,482)
- 46.16%
- combined top marginal rate
- #12/13
- national rank by top rate
Combined rate = the province's top marginal rate plus the federal top rate, both rendered live from the published schedules.
2026 provincial bracket schedule
Source: Ontario2026 provincial income-tax bracket schedule. Bar length scales to the top provincial rate.
| Bracket | Income range | Provincial rate |
|---|---|---|
| 1 | $0– $52,886 | 5.05% |
| 2 | $52,886– $105,775 | 9.15% |
| 3 | $105,775– $150,000 | 11.16% |
| 4 | $150,000– $220,000 | 12.16% |
| 5 | $220,000 | 13.16% |
Source: Ontario2026 personal income-tax schedule - official publication. Federal brackets from the Canada Revenue Agency, 2026 indexed schedule.
Your combined marginal rate by income
Ontario's provincial rate, added to the federal rate at your income, is what an RRSP deferral is actually worth to you.
$50,000 income
19.1%
14.0% federal + 5.1%ON
$100,000 income
29.6%
20.5% federal + 9.2%ON
$150,000 income
37.2%
26.0% federal + 11.2%ON
$250,000 income
42.2%
29.0% federal + 13.2%ON
Your true marginal rate, dollar by dollar
Below is Ontario's combined rate plotted as a staircase, jumping at each bracket threshold. Tap or hover any point for the exact rate there.
Source: Ontario + Canada Revenue Agency published 2026 marginal-rate schedules. Combined rate = provincial + federal at each income.
Combined rate = the federal marginal rate plus Ontario's, at each income, rendered from the 2026 published schedules.
How Ontario ranks, top rate across Canada
Ontario's top provincial rate of 13.16% ranks #12 of 13 jurisdictions - below 11 higher-rate provinces. See the distribution chart above for the full national histogram.
Ontario's tax-structure shape
Comparing entry rate against top rate places Ontario on the map below, upper-left provinces have the steepest progression and the most to gain from RRSP deferral.
Source: provincial finance-ministry 2026 bracket schedules, compiled by PlainRRSP. Dashed lines mark the median entry and top rate.
T1 provincial rate strip
What this means for RRSP vs TFSA in OntarioON · Ontario2026 · 5 brackets
Ontario · top 13.16% · combined 46.16% · #12/13
- RANKOntario top
- BOOKcombined 46.2%
- TFSA5-band book
- TOPnear Northwest Territories
- NOA@$100k 29.6%
- BOOKgap 16.5%
Figures use Ontario's published 2026 provincial schedule stacked on the federal brackets: reference math, not a personal tax return. Read with Ontario → · Model your own →
Ontario in the top-rate neighbourhood
Nationwide provinces with similar marginal rates
Two data-derived peer sets for Ontario: headline top-rate neighbors and $100,000-income rate neighbors (distinct comparison neighborhoods).
Similar top marginal rate
Nearest 2026 provincial top rates nationwide (13.16% here).
- Northwest Territories · top rate 14.05%
- Saskatchewan · top rate 14.50%
- Nunavut · top rate 11.50%
- Alberta · top rate 15.00%
Similar rate at $100,000 income
Nearest mid-career provincial marginal rates at $100,000 of income (9.15% provincial here).
- Yukon · 9.00% at $100k
- Northwest Territories · 8.60% at $100k
- Alberta · 10.00% at $100k
- British Columbia · 10.50% at $100k
Peers are nearest-neighbor matches on published 2026 bracket tables; corpus ranks above sort the full 13-jurisdiction set.
Frequently asked questions
- Where does Ontario sit in Canada's provincial tax distribution?
- Among 13 provinces and territories in the PlainRRSP corpus, Ontario's 2026 top marginal rate of 13.16% ranks #12 - among the lowest top rates nationally. Combined with the federal top rate, the deferral ceiling is 46.16%.
- What is the top marginal tax rate in Ontario for 2026?
- The top marginal provincial rate in Ontario for 2026 is 13.16%. Combined with the federal top rate of 33.00% above $258,482, the combined top marginal rate is 46.16%.
- How many tax brackets does Ontario have compared with other provinces?
- Ontario has 5 provincial brackets - rank 7 of 13 by schedule length. Bracket count measures schedule complexity, not rate height; see the top-rate distribution above for deferral value.
- Where does Ontario bracket data come from?
- The schedule is rendered from Ontario's published 2026 bracket table, see the linked source above. Federal brackets are uniform across Canada and come from the Canada Revenue Agency.
Reference data, not financial advice - consult a licensed CPA or CFP before acting. See the methodology for what this page does and doesn't model.
Every figure on PlainRRSP is rendered directly from official Canada Revenue Agency registered-plan limits and each province's published marginal-rate schedule, no number is typed in by an editor. Ontario's bracket schedule and the federal brackets are rendered live from the published government tables. See our editorial standards & corrections policy, the methodology behind these numbers, the public data change log, or report a data error. Data current as of 2026 tax year.