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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.

Annual taxable income

Province

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.

A planning rate, not a tax return

Use the marginal rate in the plan. Bracket tax here is the raw federal and provincial brackets only — no basic personal amount, no other credits, no deductions, no benefits. Filing that return is a tax preparer's job. This calculator exists so a financial plan can use the real bracket instead of a round guess.

Want this connected to your real RRSP contributions, retirement drawdown, and estate planning?

Open this in Your Numbers →

See what your real refund is worth, reinvested: RRSP Growth & Refund Calculator →