Tax credits for Ontario seniors, 2026: what they’re worth to you.

The credits at a glance, 2026

Most of these are non-refundable: they lower the tax you owe, but can’t be paid out on their own. Each is worth the amount times the lowest tax rate: 14.000000000000002% federally and 5.05% in Ontario for 2026.

The age amount

If you’re 65 or older on December 31, you can claim the age amount: $9,208 federally and $6,342 in Ontario for 2026. It shrinks by 15% of your net income above $46,432 (federal) and $47,210 (Ontario), and ends at $107,819 and $89,490. If you can’t use all of it, the rest can usually be transferred to your spouse or partner. CRA: the age amount.

The pension income amount, and splitting pension income

Up to $2,000 of pension income that qualifies (federal) and $1,796 (Ontario). At 65 or older, that includes a workplace pension, RRIF payments and annuity payments. CPP, QPP and Old Age Security don’t count. A RRIF of your own can create this credit if you have no workplace pension. CRA: line 31400.

Couples can also split up to half of eligible pension income between their two returns, with Form T1032 signed by both. It can lower the tax you pay together, and it can keep income under the limits that reduce other credits. CRA: pension income splitting.

Medical expenses

You can claim medical expenses above a floor: 3% of your net income, or $2,890 federally if that’s less. Prescriptions, dental work, glasses, hearing aids, attendant care and many other costs count, and a couple can put both people’s receipts on one return. You can choose any 12 month period that ends in the tax year. CRA: eligible medical expenses.

The disability tax credit

For a severe and prolonged impairment, certified by a medical practitioner on Form T2201 and approved by the CRA. It’s worth $10,341 federally and $10,494 in Ontario for 2026. CRA: the disability tax credit.

Ontario Seniors Care at Home Tax Credit (70 and older)

If you, or your spouse or partner, turned 70 or older in the year, Ontario pays back 25% of your medical expenses over 3% of your net income, on up to $6,000 of them: up to $1,500. It shrinks by 5% of family net income over $35,000. It’s refundable, so it’s paid even if you owe no tax. Claim it on Form ON479. Ontario: Seniors Care at Home Tax Credit.

Ontario Senior Homeowners’ Property Tax Grant

Up to $500 a year toward property tax, if you were 64 or older at the end of the year before, own and live in your home in Ontario, and paid property tax on it. The full grant goes to a single person with family income up to $35,000 and a couple up to $45,000, then it shrinks. Apply with the ON-BEN form in your tax return. Ontario: the property tax grant.

Caring for someone

If you support a spouse, partner or relative with an impairment, the Canada caregiver amount can help: up to $8,773 for an infirm dependant 18 or older in 2026. CRA: the Canada caregiver credit.

Changes to your home

Grab bars, ramps, stair lifts and a suite for a parent have their own federal credits. They’re in our guide to grants and tax credits for home changes.

Four things worth knowing

1. File every year, even with little or no income. The Guaranteed Income Supplement, the GST/HST credit and Ontario’s grants and credits depend on it.
2. Watch the OAS line. If your net income is over $95,323 for 2026, part of your Old Age Security is repaid: 15% of the income over that amount. Pension splitting can help.
3. Keep receipts all year, for medical costs, care and property tax.
4. Free help exists. If your income is modest and your taxes are simple, volunteers at a free tax clinic can do your return for you.