After Tax Canada / Job offer comparison calculatorVersion française
Job offer comparison calculator (2026)
Two offers, one decision. Enter salary, province, bonus, pension match, vacation, and commuting for each offer and see the total value after tax, not just the gross salary. When the offers sit in different provinces, the province gap is shown separately, since province alone can move net pay by thousands a year.
Offer A
Only counts on office days. Commuting assumes 52 weeks minus vacation weeks minus 2 weeks of holidays.
Offer B
Fully remote, so commuting is zero. Reduce remote days to enter a commuting cost.
Offer B comes out ahead by a month in total value
Total value counts take-home pay, the employer match, and commuting cost.
Side by side
| Offer A | Offer B | Difference (B minus A) | |
|---|---|---|---|
| Gross salary | $90,000 | $100,000 | $10,000 |
| Bonus | $5,000 | $0 | -$5,000 |
| Bonus kept (after tax) | $3,518 | $0 | -$3,518 |
| Take-home pay | $70,714 | $74,459 | $3,744 |
| Employer match value | $3,600 | $3,000 | -$600 |
| Commuting cost | -$2,115 | -$0 | $2,115 |
| Total value | $72,199 | $77,459 | $5,259 |
| Total value per month | $6,017 | $6,455 | $438 |
| Vacation days | 15 days | 10 days | -5 days |
| Remote days per week | 2 days | 5 days | 3 days |
The match is retirement money, not cash in hand. It counts in total value because it is part of what the job pays.
The province gap
Same salary, different province: $90,000 nets $67,197 in Ontario and $67,509 in Alberta, a gap of $312 a year in take-home pay, before any salary difference.
Total value is take-home pay plus employer match minus commuting cost. Vacation days are shown for comparison but not priced, since paid vacation is already inside the salary.
Estimates from the 2026 tax tables. Your actual pay depends on TD1 claims, benefits, and other income. Not financial advice.
Make your take-home work harder
Your paycheque is only half the story. These are the account types Canadians use to put after-tax money to work. What follows is factual information, not financial advice.
High-interest savings account
A savings account that pays a higher rate than a chequing account. Money stays liquid and earns interest while you keep it.
Partner offers coming soon
Investment account
An account for buying investments such as ETFs and stocks. It can be registered (TFSA, RRSP, FHSA) or non-registered.
Partner offers coming soon
Bank account
A chequing account for daily spending and bill payments, often bundled with savings and credit products.
Partner offers coming soon
We are reviewing Canadian providers. When offers appear here, they will be clearly labelled.
Disclosure: if partner offers are listed here in the future, they will be clearly labelled, and we may earn a commission. Account descriptions are factual information, not financial advice.
More calculators
Worked examples: two offers compared, 2026
| Scenario | Offer A total value | Offer B total value | Monthly difference |
|---|---|---|---|
| Same salary, different province | $69,963 | $74,459 | $375 |
| Higher salary, different province and benefits | $72,199 | $76,295 | $341 |
| Same salary, better benefits win | $58,879 | $67,929 | $754 |
Annual figures, monthly difference is B minus A · 2026 tax tables · verified 2026-09-20 · how we calculate
FAQ
Should I compare job offers on gross salary or take-home pay?
Take-home pay. The same gross salary nets a different amount in every province, and a bonus, a pension match, or a daily commute moves the real value further. Two offers that look $10,000 apart in gross pay can be nearly even, or twice as far apart, once tax, benefits, and commuting are counted.
Does the employer pension match count as pay?
It counts as part of what the job pays, but it is retirement money, not cash in hand. This tool adds the full match to total value and shows it separately, so you can see the cash and the retirement value side by side. Check vesting rules: some employers only let you keep the match after a set period, and this tool does not model vesting.
Why is commuting subtracted from an offer?
Commuting is money you pay out of your take-home pay to get to work. An offer with five office days and a $20 daily commute costs about $4,700 a year at 47 working weeks, while a fully remote offer costs nothing. That gap belongs in the comparison, since it comes straight out of your budget.
Why are vacation days shown but not priced?
Paid vacation is already inside the salary: you are paid while you are away. Pricing it again would double-count it. Vacation days are shown so you can weigh them as a quality-of-life factor next to the money, not as a second salary.
What about stock options, RSUs, or a signing bonus?
Equity is not modeled here: its value depends on vesting, share price, and tax treatment that varies by plan. A signing bonus can be entered as the annual bonus as a rough approximation, since it is taxed the same way in the year you receive it. Treat any equity as a separate upside, not as part of the compared total.
Is this financial advice?
No. These are estimates from the 2026 tax tables for a single employee with no other income. Your actual pay depends on TD1 claims, benefits, and other income. Use the comparison to narrow the decision, not to make it for you.