Real Income Comparison

Compare net take-home pay and purchasing power across Canadian cities — after federal tax, provincial tax, CPP, EI, and rent.

$
Ontario
Toronto
Gross salary$80,000
Total deductions-$20,235
Net take-home$59,765
Avg. rent-$33,000
After rent$26,765
Effective rate: 25.3%Provincial tax applies
British Columbia
Vancouver
Highest net
Gross salary$80,000
Total deductions-$19,979
Net take-home$60,021
Avg. rent-$33,000
After rent$27,021
Effective rate: 25.0%Provincial tax applies
Alberta
Calgary
Best value
Gross salary$80,000
Total deductions-$23,024
Net take-home$56,976
Avg. rent-$24,000
After rent$32,976
Effective rate: 28.8%No provincial income tax
Quebec
Montreal
Gross salary$80,000
Total deductions-$27,635
Net take-home$52,365
Avg. rent-$21,000
After rent$31,365
Effective rate: 34.5%Highest provincial tax

Deduction Breakdown

Annual figures · 2024 tax rates

TorontoVancouverCalgaryMontreal
Federal tax$10,108$10,108$10,108$10,108
Provincial tax$5,211$4,955$8,000$12,611
CPP$3,868$3,868$3,868$3,868
EI$1,049$1,049$1,049$1,049
Net income$59,765$60,021$56,976$52,365
* Uses 2024 federal and provincial tax brackets. CPP: 5.95% on earnings $3,500–$68,500. EI: 1.66% on earnings up to $63,200. Rent based on avg. 1-bedroom apartment.