See how much tax you pay in Ontario — and every province

Ontario residents pay federal income tax (15–33%), Ontario income tax (5.05–13.16%), CPP (5.95%), EI (1.58%), HST (13%), property tax if they own a home, and other consumption taxes. This calculator estimates that total from the income, spending, and property values you enter. It is an estimate, not a tax return.

Yes. The total includes federal income tax and provincial or territorial income tax, plus CPP, EI, sales tax, and property tax. Income tax is usually the largest piece for people with a salary.

Enter your income and spending, then use Compare places or Lowest tax. The same 2026 federal rules plus each province’s income tax, sales tax, and typical property tax are applied so you can compare Ontario with Alberta, B.C., Quebec, and the rest.

This calculator includes 16 types of taxes: Federal Income Tax, Provincial Income Tax, CPP Contributions, EI Premiums, Provincial Health Premium (where applicable), Property Tax, Land Transfer Tax (for home purchases), sales tax (HST/GST/PST/QST), Fuel Tax, Alcohol Tax, Tobacco Tax, Home Insurance RST (8%), Air Traveller Security Charge, Airport Improvement Fees, Municipal Accommodation Tax, and Driver License renewal fees.

Ontario income tax rates for 2026 are: 5.05% on the first $51,446, 9.15% on $51,446-$102,894, 11.16% on $102,894-$150,000, 12.16% on $150,000-$220,000, and 13.16% over $220,000. These rates are in addition to federal income tax rates which range from 15% to 33%.

This calculator uses official 2026 tax rates from the Canada Revenue Agency and provincial finance ministries. It provides accurate estimates for most situations, but actual taxes may vary based on specific deductions, credits, and personal circumstances. Always consult a qualified tax professional for personalized tax advice.

Yes. This calculator includes property tax (based on your property's assessed value and municipal tax rate) and land transfer tax if you purchased a property this year. It also includes the Toronto Municipal Land Transfer Tax and first-time home buyer rebates.

HST (Harmonized Sales Tax) in Ontario is 13%, combining the 5% federal GST and 8% provincial portion. It applies to most goods and services in Ontario. The calculator estimates your annual sales tax based on your taxable spending, using the correct rate for the province you select.

Yes. Use the Cost of living button to compare provinces, US states, and European countries on the same scale (US average = 100). The table breaks out groceries, housing, utilities, transportation, health care, and miscellaneous goods, then estimates the income you would need in each place to match your current lifestyle. Indexes are statewide/province-wide — city comparisons come later. Taxes are a separate tab.

Use Lowest tax. It applies your income, spending, and property value to every Canadian province, US state, and European country in the model, then ranks them by effective tax rate. Filter to Canada only if you want to stay domestic. No-income-tax US states often rank well for wage earners; public health care and services are not in the tax total.

Quality of life is a livability index (higher is better) on the same scale as Numbeo 2026. European countries use Numbeo’s published country scores. Canadian provinces are estimated from Numbeo city indexes. US states use WalletHub’s 2026 Best States ranking, mapped so the US average sits near Numbeo’s US score of 186. It is not the opposite of cost of living — it reflects safety, health care, climate, commute, and similar factors.

That button scores every place 50/50: how low your effective tax rate would be, and how high the quality-of-life index is, relative to the other places in the filter you pick (All, Canada, US, or Europe). A low-tax place with a weak livability score will not automatically win. It is a simplified ranking, not a relocation recommendation.

Yes. Open Compare taxes or Cost of living and mix Canadian provinces, US states, and European countries (up to five at a time). Tax estimates convert your CAD income and spending at approximate 2026 FX rates. Cost of living uses C2ER/MERIC state indexes, converted Canadian provincial figures, and Numbeo country indexes scaled so the US average equals 100. US tax assumes a single filer with the standard deduction; European tax figures are country-wide, not city-level.

On $75,000 of employment income you pay federal and Ontario income tax plus CPP and EI. HST and property tax depend on spending and home ownership. The calculator defaults to $75,000 — tap See my taxes for the full estimate including income tax.

It depends on your income and spending. Alberta has no provincial sales tax; some Atlantic provinces have 15% HST; territories can have lower income-tax rates but higher living costs. Use Lowest tax with your numbers instead of a generic ranking.

Ontario has 13% HST and an Ontario Health Premium. Alberta has 5% GST only. B.C. combines GST and PST (12%). Income-tax brackets also differ. Compare tax rates by province here using the same income.