North America ยท CAD
Moving to Canada: salary, tax and cost of living
What a job offer in Canada is actually worth once income tax, mandatory contributions, rent and everyday costs are taken out. Figures below are the same ones ReloIQ uses to score a real comparison.
Compare your offer- Income tax
- Federal + Ontario brackets, CPP, EI
- Currency
- CAD (C$)
- Purchasing power
- Good but housing-sensitive
- Healthcare
- Public
How take-home pay works in Canada
Tax structure: Federal + Ontario brackets, CPP, EI
That matters because relocation decisions are usually made on the gross number, while your actual standard of living depends on what lands in your account after deductions. Toronto and Vancouver need careful rent assumptions.
What your money buys
Purchasing power: Good but housing-sensitive
ReloIQ applies a purchasing power factor of 0.86, sourced from World Bank data for 2025, which converts a headline salary into comparable living standards rather than a raw exchange rate.
Local cost pressure: Very housing-sensitive
Who a move to Canada suits
Best for: Employer-sponsored moves and families
The most common mistake is comparing the offered number against a current salary without adjusting for tax structure and housing, which is exactly what the comparison tool corrects for.
Monthly costs
Cities in Canada
Typical monthly figures for a practical newcomer budget, in CAD. Rent assumes a standard one-bedroom rather than a shared or luxury unit.
| City | Rent | Groceries | Transport | Cost index |
|---|---|---|---|---|
| Toronto | C$ 2,400 | C$ 520 | C$ 156 | 73 |
| Vancouver | C$ 2,600 | C$ 500 | C$ 100 | 75 |
Within Canada, Vancouver runs the highest cost index at 75 while Toronto sits at 73. A single offer can therefore be comfortable in one city and tight in another, so compare against the city you would actually live in.
Before you accept
Toronto and Vancouver need careful rent assumptions.
Enter your current salary and the Canada offer to see net pay, monthly savings and a purchasing-power verdict for both sides. Free, no account needed.
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Figures are modelled estimates for comparison, not tax advice. Individual liability depends on residency status, allowances, dependants and employer arrangements.