Compare taxes and see how much you save moving from Canada to Australia
The hidden trap: Canada's federal 33% is misleading—add provincial tax for combined rates up to 54% (Quebec). Australia's 45% + 2% Medicare levy looks higher but has no provincial layer. A $100,000 earner pays ~$26,000 combined in Ontario vs ~$22,000 in Australia. Choose Canada if: you're in Alberta (10% provincial) or value RRSP flexibility. Choose Australia if: you want mandatory 11.5% employer Super contributions or lower housing costs outside Sydney/Melbourne.
Federal Rate
Plus provincial tax
Top Rate
Progressive brackets
At $100,000 income:
That is $1,000/month back in your pocket!
| Income | CA Tax | AU Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $2,500 | $1,500 | $1,000 | $10,000 |
| $75,000 | $4,500 | $2,800 | $1,700 | $17,000 |
| $100,000 | $7,000 | $4,000 | $3,000 | $30,000 |
| $150,000 | $12,000 | $7,000 | $5,000 | $50,000 |
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Hiring Internationally? Deel Handles Compliance →Australia narrowly wins for most people. A $100,000 earner pays roughly $22,000 in Australia (including Medicare levy) vs ~$26,000 in Ontario or ~$23,000 in Alberta. But Canada's RRSP lets you defer taxes; Australia's Super is locked until 60. Factor in your province—Alberta (10%) is competitive with Australia.
Australia mandates 11.5% employer Super contributions—free retirement savings on top of salary. Canada's CPP requires 5.95% from each side but maxes at $4,055/year. On a $100,000 salary: Australian employer adds $11,500 to your super; Canadian employer adds ~$3,867 to CPP. This effective 7.6% 'bonus' often makes Australia the better total compensation.
Depends on flexibility vs discipline. Canada's RRSP ($31,560 limit) allows early withdrawals with penalty; TFSA ($7,000/year) is completely flexible. Australia's Super (locked until 60, $30,000 concessional limit) forces long-term saving. If you'll actually leave retirement funds alone, Australia's mandatory system builds more wealth.
Complex. Australia-Canada tax treaty applies. RRSP lump sums withdrawn as an Australian resident are generally taxed in Australia only. But periodic payments may be taxed in both countries with foreign tax credits. Converting RRSP to RRIF before moving, or strategic withdrawal timing, can minimize double taxation. Consult a cross-border tax specialist.
Alberta wins: 10% provincial + 33% federal top rate = 43% combined, lower than Australia's 47%. British Columbia (20.5% provincial) and Ontario (13.16%) land at 53% combined—significantly higher than Australia. Quebec's 53.31% combined rate makes Australia look like a tax haven for high earners.