Compare taxes and see how much you save moving from Philippines to Canada
Canada has over 900,000 Filipino-Canadians — one of the largest Filipino diasporas globally. Canada's combined federal + provincial income tax can reach 50%+ in high-rate provinces (BC, Ontario, Quebec). The Philippines has a 15–35% progressive rate with a notable benefit: Overseas Filipino Workers (OFWs) are exempt from Philippine income tax on foreign-source income while registered OFWs. Filipino Canadians who retain Philippine ties must navigate both countries' tax systems and understand when Philippine residency rules terminate.
Progressive BIR Tax, PHP 250,000 exempt
Philippines Bureau of Internal Revenue (BIR) taxes residents on worldwide income at 15–35%. Income up to PHP 250,000/year (≈USD 4,400) is fully exempt. OFW (Overseas Filipino Workers) are exempt from Philippine income tax on income earned abroad while registered. Employee SSS 4.5%, PhilHealth 4.5%, Pag-IBIG 2% = approximately 11% total employee social contributions. 13th Month Pay and bonuses up to PHP 90,000 are tax-exempt.
Federal + Provincial Tax, Basic Personal Amount C$15,705
Canada taxes residents on worldwide income. Federal rates: 15% (under C$55,867), 20.5%, 26%, 29%, 33% (above C$246,752). Provincial rates add 4–21% on top. Ontario combined top rate ~53.53%; Alberta ~48%; BC ~53.5%. CPP (Canada Pension Plan) 5.95% employee (2024) + EI premiums ~1.66%. Canada taxes its residents including Filipino Canadians on worldwide income; foreign tax credits apply for Philippine taxes paid on Philippine-source income.
At CAD 80,000 income:
Registered OFWs are exempt from Philippine income tax on income earned abroad. For a Filipino in Canada earning CAD 80,000 (approximately PHP 3M): the Philippine income tax is fully waived under OFW rules while maintaining OWWA membership. Canadian tax on the same income applies at ~28–33% depending on province. The OFW exemption eliminates the double-tax risk while Canada's higher wages and social benefits often make the net position favorable.
| Income | PH Tax | CA Tax | Savings | 10-Year |
|---|---|---|---|---|
| CAD 50,000 | ~20% PH (without OFW exemption) | ~25–28% CA (federal + provincial, Ontario) | CA 5–8% higher; OFW zeroes PH side | Canadian CPP builds retirement credit |
| CAD 100,000 | ~30% PH (without exemption) | ~33–38% CA (Ontario) | CA 3–8% higher | Canadian universal healthcare included in contributions |
| CAD 200,000 | ~35% PH | ~46–52% CA (Ontario) | CA 11–17% higher | High-income Ontario residents face significant combined burden |
CountryTaxCalc.com is reader-supported. When you use our partner links, we may earn a commission at no cost to you. Learn more about our affiliate partnerships
★ 4.3 Trustpilot · 287,413 reviews
Send money from Canada to the Philippines at the real mid-market CAD/PHP exchange rate. Wise is used by millions of Filipinos abroad for fast, transparent international transfers.
⚠ For currency exchange only — not a bank account replacement.
Send CAD to the Philippines at the Real Rate →★ 4.7 Trustpilot · 8,728 reviews
Filipino contractors or employers managing Canadian-Philippine cross-border employment — Deel handles payroll compliance and contractor payments in both jurisdictions.
⚠ For employers and companies only — not for individual freelancers or employees.
Get Paid Compliantly Across Borders →OFWs (Overseas Filipino Workers) registered with OWWA and meeting the definition under Philippine law are exempt from Philippine income tax on income earned abroad. Most Filipino Canadians who earn income in Canada and maintain OFW registration do not owe Philippine income tax on those Canadian wages. However, Philippine-source income (rental, business, investments in the Philippines) remains taxable in the Philippines. Filipino Canadians who have become Canadian permanent residents or citizens and are no longer classified as OFWs are generally not Philippine tax residents if they have established Canadian domicile.
Common options for CAD-to-PHP remittances include Wise (real mid-market rate, transparent fees), bank wire transfers (higher fees but familiar), and specialized Filipino remittance services (JRS Express, Western Union, Remitly). Wise typically offers the best exchange rate for CAD/PHP with transparent fee disclosure. The CAD/PHP rate as of 2024 is approximately 37–40 PHP per CAD — significantly better than a few years ago due to CAD strength vs PHP.
Yes — Canada taxes its residents on worldwide income, including Philippine rental income, Philippine investment returns, and gains from Philippine real estate sales. These must be reported on the Canadian T1 return. Canada-Philippines has a limited tax treaty (the Philippines-Canada Tax Convention) that provides some relief to prevent full double taxation. Philippine taxes paid on Philippine-source income can generally be claimed as a foreign tax credit on the Canadian return.