Canada • Updated 2026
Is it worth living in Toronto on CA$100,000?
Compare take-home pay vs essentials (rent, food, transport, utilities). Use sliders to match your situation — then judge by disposable left + rent pressure.
Take-home (monthly)
CA$5,587
Essentials total
CA$3,190
Disposable left
CA$2,397
Rent % of income
43%
RentCA$2,400
FoodCA$450
TransportCA$160
UtilitiesCA$180
Verdict
66/100 • Good Housing costs in Toronto are high (around 43% of income), which will limit your ability to save. You should have a very comfortable lifestyle with significant room for savings, travel, and leisure.
Related pages
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FAQ
Is this accurate?
It’s a consistent baseline for comparisons. Sliders let you match your real situation.
What comfort score is “good”?
Rough guide: 70+ comfortable, 50–69 okay, 30–49 tight, below 30 struggle.
What’s the best lever?
Rent. If rent is high relative to take-home, the outcome is tight even on decent salaries.