Compare two Canadian offers on take-home pay, rent and commute.
Estimates use 2026 CRA brackets and rates, including Ontario surtax and health premium. Bonus is treated as regular income. Excludes RRSP/pension, benefits, other provincial credits/surtaxes, other living costs, and Quebec. Not tax advice.
Quebec is not supported.
The monthly difference
$10,452 per year
$2,838/mo
Left after housing and commute
$3,709/mo
Left after housing and commute
To match, Offer A would need about $100,000 gross per year.
Net pay from the 2026 CRA estimate, minus the housing and commute you enter for that offer. It is not a full monthly budget — groceries, debt, savings and other costs are deliberately excluded so the two offers stay comparable.
Use it as one input. Benefits, RRSP matching, vacation, career growth, commute time and the certainty of the bonus can outweigh a small monthly difference.
Quebec uses QPP and QPIP instead of CPP and EI, and applies a federal tax abatement. The model does not cover those rules, and a wrong number is worse than no number.
No. Everything is calculated in your browser; no salary, rent or comparison is uploaded.
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