🇺🇸 COUNTRY A USA VS 🇨🇦 COUNTRY B Canada

Canada's combined federal + provincial income tax is higher than US federal tax plus a typical state at most incomes, but the gap at $100,000 is much smaller than top marginal rates suggest (Ontario top combined rate: 33% federal + 20.53% provincial). At $100,000 (C$100,000 in Canada, US$100,000 in the US; no currency conversion), an Ontario resident pays about $20,024 in federal plus Ontario income tax (including the Ontario surtax and Ontario Health Premium) versus about $13,170 in US federal income tax for a single filer, so Canada costs about $6,850 more before any state tax. Including payroll taxes the gap is about $5,000: roughly $25,794 in Canada (income tax, Ontario Health Premium, CPP, CPP2 and EI) versus $20,820 in the US (federal income tax plus $7,650 FICA). US state income tax narrows it further: a California resident pays about $4,911 more and a New York resident about $4,860 more (New York City adds roughly $3,400), while Texas and Florida add nothing. Provincial choice matters too: at $100,000, federal plus provincial income tax is about 19% of income in British Columbia, 20% in Ontario and Alberta, 24% in Quebec and 25% in Nova Scotia. The Canada Child Benefit (up to $8,157/year per child under 6 from July 2026) and universal healthcare offset the difference for families. Choose USA if: high earner, no kids. Choose Canada if: family with kids, value universal healthcare.