Compare after-tax salary and real purchasing power across global cities

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USD to CAD salary comparison

What a $120,000 salary in San Francisco is worth in Toronto?

After income tax and social contributions, $120,000 gross leaves $83,864 in San Francisco. The same gross salary, converted at today's rate, is C$167,592 in Toronto, where take-home is C$116,217 and annual savings after typical living costs reach C$73,617. Once local price levels are taken into account, that pay buys about 24% more in Toronto than in San Francisco.

Click any card's field to set that city and figure as the benchmark. Every card starts from the same pre-tax salary. Purchasing power re-prices it at San Francisco's cost of living, so a figure above the gross means local prices are lower than San Francisco's.

San Francisco

United States · USD

1 USD = 1.000 USD

Gross / yr
Anchor
Tax: 30.1%
$6,989 / mo
38.5% rate
$2,689 / mo
= Gross
Gross Income QuantileTop 49%

Scaled: BLS Q3 2026 × ACS 2025 SF median · p99 modeled

Monthly Cashflow Allocation$6,989 net
$2,689Net Savings
$4,300Rent & Living
$3,011Tax & Social
City Perks
401(k) Match
Liquid RSUs
Full Health PPO
Tech Network
HSA / FSA
No Non-Compete
8wk Paid Family
Pre-Tax Commute
Paid Sick Leave

Toronto

Canada · CAD

1 USD = 1.397 CAD

Gross / yr
Tax: 30.7%
C$9,685 / mo
63.3% rate
C$6,135 / mo
+23.7% vs Anchor
Gross Income QuantileTop 9%

Modeled from StatCan Toronto median

Monthly Cashflow AllocationC$9,685 net
C$6,135Net Savings
C$3,550Rent & Living
C$4,281Tax & Social
City Perks
OHIP Free Care
RRSP 18%
PR Pathway
TFSA Tax-Free
3wk Vacation
Parental EI
Child Benefit
Dental & Rx
US Tech Access

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City: United States · Canada. Estimates use published tax schedules, World Bank purchasing power parities, and daily FX rates.