Toronto vs Austin: where does a creative director save more?
Best for saving: Austin — about $5,916/mo after taxes and living costs.
Toronto Canada | Austin US ★ Best for saving | |
|---|---|---|
| Median salary | $125,150 | $145,583 |
| Take-home / mo | $7,149 | $8,826 |
| Income tax | ~31% | ~27% |
| Living costs / mo | $2,212 | $2,910 |
| Savings / mo | $4,937 | $5,916 |
| Savings rate | 69% | 67% |
| Verdict | Excellent | Excellent |
Single professional, after-tax. "Savings" = take-home − a baseline cost of living. A planning estimate, not financial advice.
How we calculated this
• Salary: BLS/OECD median for a creative director, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. Canada ~31%, US ~27%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.