See what your Canadian GP income could look like
Start with your income, then add province and lifestyle details to estimate tax, living costs and monthly surplus.
Tax year 2026 · Last reviewed July 2026
1. Start with your income
Enter an annual figure to see estimated professional income before personal tax.
Optional: professional expenses
Defaults to $0. The result excludes professional expenses unless you enter them.
Settlement support with leading Canadian banks
Physician-special mortgages and loans to help you settle
Through Careviv's relationships with leading Canadian banks, relocating doctors can explore physician-focused banking support in Canada — including special-rate mortgage and loan options that help you get established as you move and start practice.
Physician mortgages
Mortgage options tailored for physicians relocating and settling into a new community.
Settlement loans
Financing that can help cover the cash needs of a cross-border move and early practice months.
Doctor banking support
Specialists familiar with physician relocation, practice income, and Canadian settlement banking.
Careviv helps introduce relocating doctors to physician banking support at leading Canadian banks; products, pricing, special rates and approval depend on eligibility, credit assessment and each bank's terms, which change over time. Careviv is not the lender and does not make lending decisions, and promotional rates are not listed here because they vary and may be time-limited.
About this planner
Common questions about how the earnings planner works, what it includes, and how to use the results.
How does the calculation work?
Start with annual income. We subtract clinic overhead when it applies, then optional professional expenses, to estimate professional income before personal tax. Choosing a province unlocks estimated personal tax and CPP/QPP. Adding a city unlocks a lifestyle baseline so you can see surplus after household costs.
Is the headline figure take-home pay?
Before you choose a province, the headline is professional income before personal tax. After you choose a supported province, it becomes estimated after-tax income. Lifestyle surplus only appears once city and household details are added. None of these figures are guaranteed take-home pay.
Why so few questions at first?
Useful results should appear after each step. Province, lifestyle and workload details are progressive improvements — not a gate before any number appears.
Which provinces are supported for after-tax estimates?
Federal tax plus provincial tax and CPP are modelled for most provinces shown in the planner. Québec is partial: QPP is estimated, but Québec provincial income tax is administered separately by Revenu Québec and is not fully modelled here.
What does the illustrative corporation scenario mean?
The full plan can compare a personal or unincorporated path with an illustrative professional-corporation scenario for supported provinces. It separates salary available personally from cash retained inside the corporation and applies the selected province’s 2026 corporate tax rates. It assumes a qualifying CCPC with eligible active business income and the full small-business limits available. It does not model dividends, future withdrawal tax, Personal Services Business treatment or every tax credit and filing detail. It is planning information, not tax, legal or incorporation advice.
Why is Québec corporation modelling unavailable?
Québec requires a separate model for provincial personal tax, QPP, QPIP, employer contributions and small-business-deduction eligibility. Careviv does not show a partial result as though it were a complete comparison.
What is not included?
Québec provincial income tax, dividends, RRSP strategies and most other deductions are not fully modelled. Employee EI and Ontario Health Premium are estimated where relevant, but a CRA return can still differ. Corporation modelling is illustrative and excludes dividends, future withdrawal tax and Personal Services Business treatment. Exact clinic terms, incentives and licensing timelines still need confirmation with the clinic and advisors.
How should I use the GBP conversion?
Toggle Show in GBP to convert Canadian planning figures with an indicative Bank of Canada rate (CAD per 1 GBP, with the rate date shown). Treat FX as a planning assumption, not a locked conversion. Lifestyle costs are converted from CAD using the same rate.
What do city and household inputs change?
They estimate a lifestyle cost baseline using Careviv’s conservative market-entry housing allowance plus essentials and family size. Enter your own monthly housing budget if you prefer. The surplus figure is income after estimated tax and that baseline — useful for comparing cities, not a budget guarantee.
Is this tax, legal or immigration advice?
No. This planner is for orientation and conversation. Licensing, immigration, incorporation and tax filing decisions need qualified professional advice for your circumstances.
How does settlement banking support work?
Careviv works with leading Canadian banks so relocating physicians can explore physician-focused mortgages, loans and banking support. Products, special rates and approval depend on eligibility and each bank’s terms. Careviv is not the lender and does not make lending decisions.
Can Careviv help me verify an offer or next steps?
Yes. You can use the planner anonymously first. If you want Careviv to review assumptions, talk through settlement support or continue a relocation conversation, share your details when prompted and our team can follow up.