Compare taxes and see how much you save moving from USA to Canada
The hidden trap: Canada's 33% federal rate ignores provincial tax—combined rates hit 53%+ (vs US ~37% federal + ~5% avg state). A $100,000 earner pays ~$22,000 USA (TX) vs ~$30,000 Canada (ON). But Canada Child Benefit ($7,437/year per child) and free healthcare offset for families. Choose USA if: high earner, no kids. Choose Canada if: family with kids, value universal healthcare.
Federal Rate
Plus state tax 0-13%
Federal Rate
Plus provincial tax
At $100,000 income:
That is $333/month back in your pocket!
| Income | US Tax | CA 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 |
CountryTaxCalc.com is reader-supported. When you use our partner links, we may earn a commission at no cost to you. This helps us provide free tax calculators and comparison tools. Learn more about our affiliate partnerships
★ 4.8 Trustpilot · 1,625 reviews
US citizen working in Canada? File from abroad with CPAs who specialize in FEIE, foreign tax credits, and US-Canada treaty. Trusted by 50,000+ expats worldwide.
⚠ Not the cheapest option — best for complex situations and expats who want a dedicated CPA.
Get Expert US Tax Help →★ 4.8 Trustpilot · 2,681 reviews
25 years filing US expat taxes across 190+ countries. Two-CPA review process. 50,000+ clients. 4.8 stars / 2,681 Trustpilot reviews.
⚠ Best for existing expats. If you're still in the US, a local CPA may be more cost-effective.
File With TFX — Expert Expat CPAs →★ 4.3 Trustpilot · 287,413 reviews
Moving between the US and Canada? Send money at the real exchange rate with Wise. Save up to 5x vs banks on USD/CAD transfers. Multi-currency account included.
⚠ For currency exchange only — not a bank account replacement.
Send Money USA ↔ Canada →USA wins significantly. In Texas (no state tax), $150,000 pays ~$32,000 federal. In Ontario, $150,000 CAD pays ~$47,000 combined federal+provincial. That's $15,000+ more tax in Canada. Even in California (13.3% state tax), you'd pay ~$44,000—still less than Ontario.
Canada often wins for middle-income families. The Canada Child Benefit provides up to $7,437/year per child under 6 (tax-free, income-tested). US Child Tax Credit is $2,000/child (partially refundable). A family with 2 young kids earning $100K keeps $10,000+ more via CCB than the US equivalent.
Critical consideration. US employer-sponsored health insurance averages $7,739/year for singles, $22,463 for families—often subsidized by employer. Canadian healthcare is 'free' (funded via higher taxes). A healthy single American may pay less total; a family or someone with chronic conditions often pays less in Canada.
Complicated. Canada taxes residents on worldwide income. If you become a Canadian tax resident (183+ days), you owe Canadian tax on US salary—at 50%+ combined rates. The US-Canada tax treaty provides credits to avoid double taxation, but you generally pay the higher of the two countries' rates.
Both have pros. US 401(k): $23,000 limit + employer match, taxed on withdrawal. Canada RRSP: ~$31,560 limit, same tax treatment. Canada's TFSA ($7,000/year) beats US Roth IRA ($7,000) because TFSA has no income limits and withdrawals don't affect benefits. Americans abroad face PFIC complications with Canadian investments.