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Software Developer Salary Comparison

Side-by-side evaluation of salaries, local taxes, monthly expenses, and real purchasing power

✓ Real-time Comparison
🔍 Change Comparison Cities
City 1:
VS
City 2:

💡 Smart Analysis

Comparing San Francisco and Toronto: Average gross pay is 88% higher in San Francisco. Cost of living is 45% cheaper in Toronto. With higher take-home and lower expenses, Toronto is a more financially comfortable place to live with an affordability score of 7/10 compared to 5.2/10.

Category Comparison
🇺🇸
San Francisco
🇨🇦
Toronto

💰 Gross Salaries & Ranges

Average Gross Salary (Annual)
The primary average salary across experience ranges
$165,000/yr
HIGHER
$88,000/yr
Junior Developer Pay
$95,000
$48,000
Mid-Level Developer Pay
$140,000
$78,000
Senior Developer Pay
$200,000
$115,000
Lead / Architect Pay
$250,000
$142,000

🏠 Monthly Cost of Living

Rent — City Center (1 Bed)
$3,800
$1,900
Rent — Suburbs (1 Bed)
$2,400
$1,200
Groceries (Monthly)
$650
$400
Public Transport Pass
$120
$120
Utilities (Electricity, Internet)
$320
$200
Estimated Cost of Living
Rent center, groceries, transport plans & hobbies included
$5,408/mo
$2,993/mo
CHEAPER

🧾 Tax rates & Take-home

Average Income Tax Rate
35%
26%
Social Security Deduction
8%
5%
Monthly Take-home (After Tax)
Estimated direct net monthly deposit based on mid-level pay
$6,942/mo
$4,511/mo

📊 Affordability & Savings

Affordability Index
Score out of 10 comparing local net pay to costs
5.2
7
MORE AFFORDABLE
Monthly Savings Potential
Money left over after all standard cost of living expenses
$1,534/mo
$1,518/mo
Months to Save $10,000
~7 months
~7 months
🇺🇸 Complete San Francisco Breakdown & Charts → 🇨🇦 Complete Toronto Breakdown & Charts →