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Canada Job Offer Comparison Calculator

Enter two job offers to see what each one pays after federal and provincial tax, CPP and EI, how much more one takes home than the other, and the salary the second offer needs to match the first.

Offer A

$

Offer B

$
More options
$

A year, if any

$

A year, if any

%

% of salary your employer adds

%

% of salary your employer adds

Offer B takes home more

$558 a month

$6,698 a year after tax

Offer A take-home
$5,626 a month
Offer B take-home
$6,184 a month
Offer B salary that matches A
$90,444

Offer B pays 11.1% more before tax, and 9.9% more after tax, moving from Alberta to Ontario.

What this means

A pay gap always shrinks after tax, because the extra salary is taxed at your top rate. Compare offers on take-home pay, not the headline salary.

Take-home pay isn’t everything: also weigh the retirement contributions, health cover, time off, commute and living costs that come with each job.

Next step

Side by side, a year

Offer AOffer B
Pay before tax$90,000$100,000
Federal income tax-$11,252-$13,302
Provincial income tax-$5,470-$5,973
CPP-$4,230-$4,230
CPP2-$416-$416
EI-$1,123-$1,123
Ontario Health Premium$0-$750
Take-home pay$67,509$74,206
Average tax rate25.0%25.8%

Where the difference comes from (2026)

Pay before tax+$10,000
Federal income tax−$2,050
Ontario Health Premium−$750
Provincial income tax−$502
Take-home pay+$6,698
Assumptions in this estimate
  • Both offers are worked out with 2026 tax rules for a single person, with no other income and no pre-tax deductions such as pension or retirement contributions.
  • Bonuses are taxed as part of your yearly pay. Tax taken from a bonus payment can be higher at first, but it evens out over the year or on your tax return.
  • The Offer B salary that matches A keeps Offer B’s location and bonus, and gives the same take-home pay as Offer A.
  • Living costs such as rent, and benefits such as health insurance, aren’t included. Compare those separately.
  • Assumes employment income is your only income and you claim the basic personal amount and the Canada employment amount.
  • Tax is your estimated annual liability spread evenly across pay periods; your employer’s withholding (based on your TD1) can differ slightly.
  • CPP and EI are spread evenly too. In practice they stop once you reach the yearly maximum (EI at $68,900 of earnings, CPP at $74,600 and CPP2 at $85,000), so higher earners’ last paycheques of the year are larger.
  • From July to December 2026, employers in British Columbia, Newfoundland and Labrador and Prince Edward Island use catch-up rates for mid-year changes, so those paycheques differ slightly; the yearly total is the same.
  • The Canada Workers Benefit and other refundable benefits you claim on your return are not included.
  • The temporary federal top-up credit (2025–2030) only affects people with very large non-refundable credits and is not included.
  • The Ontario LIFT credit for lower-income workers is claimed on your tax return and is not included.
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How the calculator works

  1. Each offer’s pay: salary plus any yearly bonus.
  2. Tax on each: the same rules as our income tax calculator: federal and provincial income tax, the Ontario Health Premium, and CPP and EI (QPP, QPIP and Quebec’s EI rate in Quebec).
  3. The difference: take-home pay for each offer, the difference a month and a year, and the tax lines that explain it.
  4. The salary that matches: the salary the second offer needs, in its own province and with its own bonus, to leave you with the same take-home pay as the first.

Why provinces matter

Federal tax is the same everywhere, but provincial tax isn’t. Alberta and Ontario charge less on most incomes than Quebec or Nova Scotia, so the same salary can leave you thousands of dollars a year apart. See all the rates in Canada tax brackets.

Living costs aren’t included. Once you know each offer’s take-home pay, compare it with what rent or a mortgage would cost in each city.

Last updated

Frequently asked questions

Is $100,000 in Ontario better than $90,000 in Alberta?

Yes, by about $558 a month. After federal and provincial tax, CPP and EI, $100,000 in Ontario leaves about $74,206 a year, against $67,509 on $90,000 in Alberta. An Ontario salary of $90,444 would match Alberta's $90,000.

How much does Quebec change the comparison?

Quebec's income tax is higher, and you pay QPP and QPIP instead of CPP. $100,000 in Quebec leaves about $69,585 a year, only $173 a month more than $90,000 in Alberta.

Should I count the employer pension or RRSP match?

Yes. It's part of your pay, even though it goes into your retirement savings. Enter it under More options as a % of salary, and the comparison table adds it to each offer's take-home pay.

What else should I compare besides pay?

Health and dental benefits, the pension plan and how long until it vests, vacation, bonuses, commuting costs and, above all, rent or house prices in each city.