Both countries split the bill between a federal layer and a regional one, but the totals land in different places. At every level in the table the US employee keeps more: about $4,526 more at a US$50,000 salary and about $18,949 more at US$200,000, with the Canadian side priced in Ontario. Read the notes under the table before treating that as the whole story — the model leaves out an Ontario surtax that pushes the real Canadian bill higher.
Enter a salary in USD. The Canada side uses the same salary converted at the 28 October 2026 snapshot rate (1 USD = 1.4047 CAD).
| United States breakdown | Amount |
|---|
| Canada breakdown | Amount |
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Estimates for a single employee with standard allowances, calculated in your browser. Not tax advice.
| Salary level | United States (USD) | Canada (CAD) | Take-home difference (in USD) | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross | Income tax | Social | Take-home | Effective | Gross | Income tax | Social | Take-home | Effective | ||
| US$25,000 | $25,000 | $890 | $1,913 | $22,198 | 11.2% | $35,000 | $3,708 | $2,445 | $28,847 | 17.6% | +$1,661 in United States |
| US$50,000 | $50,000 | $3,820 | $3,825 | $42,355 | 15.3% | $70,000 | $11,782 | $5,080 | $53,138 | 24.1% | +$4,526 in United States |
| US$100,000 | $100,000 | $13,170 | $7,650 | $79,180 | 20.8% | $140,500 | $34,633 | $5,770 | $100,097 | 28.8% | +$7,921 in United States |
| US$200,000 | $200,000 | $36,734 | $14,339 | $148,927 | 25.5% | $281,000 | $92,650 | $5,770 | $182,580 | 35.0% | +$18,949 in United States |
Each row prices the same job in both countries: the gross figures are the same US dollar salary converted into each currency at the reference rates of 28 October 2026 (1 USD = 1 USD and 1.4047 CAD), rounded to the nearest 500. The last column converts the Canada take-home back into USD at the same rate and subtracts the United States take-home, so a positive figure means more take-home pay in the country named. Income tax includes any regional tax, levies, credits and rebates in the standard model. It says nothing about what the money buys locally — see the purchasing-power points in the questions below the table where they apply.
The US side here is federal income tax plus FICA only. The $16,100 standard deduction comes off first, bands run from 10% to 37%, Social Security takes 6.2% on the first $184,500 and Medicare 1.45% on all of it. On $100,000 that leaves $79,180. State income tax is excluded, and it matters: a high-tax state would close part of the gap shown, while a no-tax state leaves it exactly as printed.
Canada stacks a federal tax on an Ontario tax, then adds Canada Pension Plan and Employment Insurance contributions. The federal basic personal amount of $16,452 and Ontario amount of $12,989 are credits at the lowest rate in law; the model applies them as allowances, which is arithmetically the same for the standard case. On C$70,000 the combined tax is C$11,782 and CPP/EI take C$5,080, leaving C$53,138 — an effective rate of 24.1% against 15.3% on the matching US salary. CPP and EI are capped, so above roughly C$85,000 the Canadian social bill stops growing (C$5,770 at both C$140,500 and C$281,000 in the table).
Bands, contributions and worked examples for United States on its own page.
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