Canada • Updated 2026
Is it worth living in Toronto on CA$65,000?
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$3,896
Essentials total
CA$3,190
Disposable left
CA$706
Rent % of income
62%
RentCA$2,400
FoodCA$450
TransportCA$160
UtilitiesCA$180
Verdict
18/100 • Struggle Rent in Toronto is the biggest challenge here, consuming over half your take-home pay. You will have some spending money, but big savings goals or frequent travel might be tight. Overall, this salary is likely too low for an independent lifestyle in Toronto without compromises.
Related pages
Same city • nearby salaries
Same salary • other cities
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.