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Real Tax Bracket Calculator
Your marginal rate isn't your average rate, and neither is a flat guess. This uses the real 2026 federal and provincial brackets — including Ontario's surtax — to show both, precisely.
What each extra dollar looks like
Marginal vs. average, the actual difference: your marginal rate is what you pay on your next dollar of income — the rate that matters for a raise, a bonus, or an RRSP contribution's real refund. Your average rate is your total tax divided by total income — a lower, blended number. People often quote one when they mean the other.
What this doesn't include
This is a real bracket calculation, not a full tax return — it doesn't model credits and deductions beyond the basic bracket structure, health premiums, or every provincial quirk. Treat it as a genuine improvement over a flat guess, not a replacement for filing software or an accountant.
Want this connected to your real RRSP contributions, retirement drawdown, and estate planning?
Try the full tool →See what your real refund is worth, reinvested: RRSP Growth & Refund Calculator →