Ottawa · C$105,000 – C$145,000 · high cost city
Savings rate in Ottawa on C$105,000 – C$145,000 — are you on track?
Earning C$105,000 – C$145,000 in Ottawa? Based on Statistics Canada SHS 2023, people at this income level in Canada typically save around 20% of gross income. Enter your actual costs below to see how you compare.
Pre-set for Ottawa · C$105,000 – C$145,000 — adjust to your situation
What 20% savings means in Ottawa
Using Statistics Canada SHS 2023, people earning C$105,000 – C$145,000 in Canada save around 20% of gross income on average. In Ottawa — a high cost city — housing costs typically run 4–14% of income, which puts real pressure on savings at lower income bands.
Minimum
4%
floor — not building
Expected
8%
mid-income benchmark
Strong
20%
top tier
Source: Statistics Canada SHS 2023. Benchmarks shown for mid-income earners in Canada.
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