I am a software engineer and I earn 16 Indian rupees LPA. Should you migrate to Canada?

Updated on : January 17, 2022 by Alonso Church



I am a software engineer and I earn 16 Indian rupees LPA. Should you migrate to Canada?

We would be happy to provide you with an opinion on your likelihood based on your history of gaining entry to Canada to live and work. Please contact us through our website at www.immigrationlawyer.lawyer.

I come from Pakistan (which is quite similar to India in many respects) and I was earning a little more than what you guys do in India before coming here. Although I did not plan to emigrate myself and this was a while ago. I just had a specific skill set that an employer approached me for and I ended up moving here. Today I work for a large multinational, one of the few largest in the world, and I am also a programmer.

I have no plans to go back, happily owning Canada as my new home and second identity and I love this country.

But I would also add that the phase of life I was in (with growing children

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I come from Pakistan (which is quite similar to India in many respects) and I was earning a little more than what you guys do in India before coming here. Although I did not plan to emigrate myself and this was a while ago. I just had a specific skill set that an employer approached me for and I ended up moving here. Today I work for a large multinational, one of the few largest in the world, and I am also a programmer.

I have no plans to go back, happily owning Canada as my new home and second identity and I love this country.

But I would also add that at the stage of life I was in (with growing children), I would probably not be willing to take the risk of moving and looking for work from scratch. He was probably not attractive enough back then. But things were different, as I came with a decent job at hand. However, I know tons of people today who have similar backgrounds and, for the most part, the ones that I know are really good at IT (specifically developers. They get jobs after maybe a bit of a struggle). I won't speak on behalf of QA or other disciplines in IT, but I can confidently say that they may not be as in demand in Canada as programmers are. But again, this could be true in most other places as well.

The most important point is that you shouldn't come here assuming you would earn (save) a lot more money. Western societies are not designed that way. A large part goes to taxes and a decent quality of life is also quite expensive. Good jobs are found mainly in big cities, where the cost of living is also proportionally high. You can save by living frugally. But what you really get out of this is quality of life, fair systems, better health care, education for oneself and for children, and a much saner society to live in.

Finding the first job if one comes to Canada as an immigrant is quite difficult in most cases. Although software development is at least currently an area that if you are really good at, you will find a place after a maximum of struggle. However, no equivalency or certification is required.

But again, don't measure it in terms of how much you would earn and save. I earn a lot more now and I can confidently tell you that it's useless at the numbers game at the end of the day, but if you measure it in terms of quality of life, children's future, and yourself, it's definitely worth it. .

Canada has been one of the best countries in the world to live.

However, high housing costs and a high level of total taxes may be changing that. More than 30% of the population lives in cities where a starter house costs close to a million dollars or even more. Homes in smaller cities are generally in the 350k to 600k range, which is still quite expensive relative to median salaries. Should housing cost that much in the world's second-largest country given that we have fewer than 38 million people? Yes, maybe half or even two-thirds of the earth is not the best thing to live for.

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Canada has been one of the best countries in the world to live.

However, high housing costs and a high level of total taxes may be changing that. More than 30% of the population lives in cities where a starter house costs close to a million dollars or even more. Homes in smaller cities are generally in the 350k to 600k range, which is still quite expensive relative to median salaries. Should housing cost that much in the world's second-largest country given that we have fewer than 38 million people? Yes, maybe half or even two-thirds of the land is not the best to live on, but there is still a lot of good land.

Artificially depressed interest rates due to quantitative easing and a lack of construction tend to contribute to soaring house prices. CMHC, a public insurer, also plays a role in this, backing larger loans than banks would otherwise provide.

If the government cuts interest rates further, which it can do, due to the COVID slowdown in the economy and its huge debt burden (over 2 trillion at the federal and provincial levels), who knows how high they will be? housing costs?

Taxes are also quite high in Canada, especially for above-average earners who typically lose 30 to 44% of their income on taxes and payroll deductions (CPP, EI) when all taxes are considered - income tax federal, provincial income tax, property tax, gasoline tax, alcohol tax, tobacco tax, carbon tax, and goods and services tax of about 13% (varies by province) on Most of the things Canadians buy besides food.

High taxes and housing costs definitely make it difficult for many Canadians to balance their budgets, unless their households have two relatively high incomes or they live in an area where house prices are modest.

Patrick Mccoy's answer to Why are taxes so high in Canada?

Average Canadian household spent more on taxes than costs of living in 2018, report finds

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List of Canadian Cities by Median Family Income - Wikipedia

https://www.cbc.ca/news/business/house-prices-numbers-july-1.5689129

National price map

Patrick Mccoy's Answer to Is Canada Really As Good As Canadians Say? Is it really much better than Australia?

Jack M. Mintz: Canada's debt burden is even worse than you think

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Your decisions would be affected by these points:

Pros:

  1. Better air and water quality.
  2. Free education through high school for your children.
  3. Free basic health care. Specialists are not free if you need immediate care or if you wait many months at least 6 to 8 months.
  4. The savings is more compared to India.
  5. You will be more respected when you visit India and your parents will proudly say that Our son is in Canada.

Cons:

  1. You will always miss your family, especially your parents and your extended family. The basis of immigration is to attract young people only because they need people to manage their economy,
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Your decisions would be affected by these points:

Pros:

  1. Better air and water quality.
  2. Free education through high school for your children.
  3. Free basic health care. Specialists are not free if you need immediate care or if you wait many months at least 6 to 8 months.
  4. The savings is more compared to India.
  5. You will be more respected when you visit India and your parents will proudly say that Our son is in Canada.

Cons:

  1. You will always miss your family, especially your parents and your extended family. The basis of immigration is to attract young people just because they need people to run their economy, they don't want a burden. In case you take your parents to Canada, at the age of 60 or older, they never adapt to the new atmosphere, Canada is too cold for the elderly, in old age people need more medical help, so you have to wait months to meet a specialist. I have seen families return to India for all medical treatments. In case you are moving in with your spouse and children then that is fine, but for parents I have seen people fall into deep depression due to the Canadian climate. My friend's father had a heart attack within the first 10 days of landing in Canada and it cost him 25. 000 Canadian dollars. People in Canada go to sunny places during winters like Hawaii.
  2. The weather is bad in Canada. Ontario: Freezing cold during winters and 2 to 3 months of mild summers, during summers you will also sometimes wear sweaters. British Columbia - Too much rain in winter and less snow compared to Ontario. There is a very famous term in Canada "SAD", this is a type of depression that occurs due to lack of sunlight. People take medicine to get over it.
  3. Canada does not recognize your education, so for some professionals it is really difficult to get a job in the Canadian market. They have to recertify and that will take years. This point is very crucial.
  4. Property prices and rents are very expensive in cities like Toronto and Vancouver. Most of the people stay far from the city and have to have a car and travel between 70 and 100 kilometers a day for their work. Traffic jams are very common in Canada.
  5. You will miss most of the family occasions and gatherings you currently enjoy in India. It is also sometimes very difficult to travel during emergencies when your extended family is in India. After a couple of years, you may find that it is only money that you have made and that you have lost all other things.
  • They depend on several factors that are unique to each one, expectations should be realistic and not off the roof.
  • parents - do they have siblings to take care of them? Yes or no. Are you willing to move here or not? $ 3500 per trip for tickets for all 3 at least. In an emergency, prices depend on travel time. So be prepared that if you have arrangements that are good for you. If you want to sponsor your parents, you will be responsible. for them for 10 years undertaking the need
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  • They depend on several factors that are unique to each one, expectations should be realistic and not off the roof.
  • parents - do they have siblings to take care of them? Yes or no. Are you willing to move here or not? $ 3500 per trip for tickets for all 3 at least. In an emergency, prices depend on travel time. So be prepared that if you have arrangements that are good for you. If you want to sponsor your parents, you will be responsible. for them, for 10 years, the commitment must be given, they will get cpp + oas only after a mandatory period has passed that changed 2 or 3 years ago
  • 30 lakhs for both of you, what is your level is manager and above? like wcs. Don't expect 100k to start to get realistic. IT get the job, as your skills rest, the entire company needs to improve it.
  • you have a house that is mortgage free. car that is free of debt, you have maids servants chauffeur iron lady and you love that lifestyle, I am sorry to tell you that it is not happening here you have savings and you can save per month. the chances of savings here are lower since the cost of living is high. If you are handy, it is good, otherwise you will have to pay for the service and they are not cheap. All your savings will be only through the mortgage you pay and you will have after 25 years. unless you have money to buy it then you good
  • The child is 3 years old and he will go to school when he is 5 years old, so if they both work, they will need a daycare for 9 to 5 years. The tax benefit depends again on the household income. The lower it is, the more you get, but the higher it is, the less you get free money Warnings from immigration consultants
  • now it comes to inflation. Average rental cost 1500-2000 cad gta or Vancouver. Could be a little lower in suburbs. Car rental 300 + car insurance 250-400 + gasoline $ 200-250 + supermarket 800 months + cable + phone $ 250 + daycare if you choose to go .rent it may be a bit cheaper if you are looking for a basement but i dont know if that is doable with a small child but each one has their own cost of living will only go up like everywhere else
  • education is free until 12th grade, true, but college is expensive. Student loans are available, but they depend on the parents' income and assets. Nobody can just get loans to study what they want. 30k - 60k for 4 years of university. for graduates, depending on the course, engineering and drugs are separated and 100k-150k for mba from the best university uf although there are others as well. The competition still remains among the 2nd generation. Commercial skills are there too, carpenter, electrician, truckers. to anything and everything
  • Medical care is free, but we have to pay taxes in full. Medication insurance required through employer. Children are covered until 25, so there is no problem there. The emergency is a slow response time. The norm is 6 to 8 hours. Appointments with specialists are good. Horror takes time, you have to wait and you have to wait in line. tax refunds are scarce but you get them
  • ei benefits if you lose your job .55% gmi for up to 11 months. after you are alone
  • from Nov to Sea it will be cold .Bangalore has a pleasant climate .Toronto is -15 to -30 in winters and then good in summers from April to Oct
  • I have given you a realistic perspective. Make an informed decision about your life in the end. If you have 500k in savings, nothing like that. But it is not a bed of roses or there are machines that will give you dollars at will. Another perspective is you have your own business then you can take a different path entirely, if you need further clarification you can email me

If you earn enough in India, no other country can match the comforts and luxuries of life here. And Rs. 1.5 lakh is a lot of income. Certainly developed countries like Canada, USA, Singapore, etc. they are better organized, neat and clean. But India is having the best of both worlds. It enjoys all the advantages of advanced technologies, it has the best medical facilities (which are ridiculously cheap in comparison by the way. Plus, you can't buy drugs without an expensive prescription) on the one hand and extensive home help on the other. House maids are easy

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If you earn enough in India, no other country can match the comforts and luxuries of life here. And Rs. 1.5 lakh is a lot of income. Certainly developed countries like Canada, USA, Singapore, etc. they are better organized, neat and clean. But India is having the best of both worlds. It enjoys all the advantages of advanced technologies, it has the best medical facilities (which are ridiculously cheap in comparison by the way. Plus, you can't buy drugs without an expensive prescription) on the one hand and extensive home help on the other. House maids are readily available at a very affordable price. No other country has this facility easily. Although the household appliances are useful there, there is nothing that compares with the domestic workers. What's more, life is very materialistic in developed countries. You miss family warmth and your own culture. I have not been able to fully express the feelings of my home country. I have my children in other countries. My wife and I start to miss India within two to three weeks every time we visit and return home. Indian sweet india

EDIT - Thanks for so many positive feedback.

I want to repeat what I wrote in response to one of the comments: -

Comment - I can't understand why people put so much emphasis on having maids than on having clean air to breathe, much less chance of dying in a traffic accident, much less chance of being the victim of a crime ... something? Is it wrong to set our priorities? PS: There are affordable full time maids available in Singapore. And they are trained, unlike in India.

My answer: sorry for answering so late. It seems that a lot has been lost in my answer and has become obsessed with clean air and crime. I believe that with the exception of the few metropolitan cities and the crowded industrial cities, more than ninety percent of the cities in India enjoy natural clean air free of industrial pollutants. And you are forgetting about the beautiful variations of seasons in India. Canada is predominantly quite cold with much snow annoyance during the years for the most part and much less warm sunny days. Singapore is predominantly hot and humid. In India we can enjoy tolerable winters, tolerable summers, beautiful rains, beautiful spring, aromatic autumn; all in the space of a year.

Despite the insurance, the medical facilities are too expensive. Also, most drugs can be bought without a prescription from your friendly pharmacy, even if it is not strictly legal. My daughter came from Singapore, had a root canal and a bridge and saved money even after paying for the cost of the trip. I send some daily medications and some medical advice over the phone.

CRIME - We never face classroom shootings by insane youth like many other countries. Roadside robbery is no less common there. India's population is many times that of other countries, so the absolute number of crimes is multiple. But you've missed the point of cultural richness here. Did I mention something about much better family warmth in India? Children in India do not celebrate coming of age and the consequent freedom of their parents!

Most expensive purchases in foreign countries are made on loan, leading to financial indiscipline. India was perhaps the only country that was spared

Subprime mortgage crisis around the world.

It is mainly because the Indians save first and then buy. Materialism is catching up in India as well, but nowhere near the level seen in developed countries like Canada, the United States, and Singapore.

People seem empty of natural warmth and affection to me. I have not heard of a friend who has passed by unannounced and the host welcomes him with open arms and cancels his own engagement. Children remain much more attached to their parents in India.

I HAVE NO WORDS TO CORRECTLY EXPRESS FEELINGS FOR MY COUNTRY OF ORIGIN.

EDIT (06.28.2017) - I recently returned from a six week trip to the US Oh boy how much I missed writing about.

First about washing utensils: dishwashers are a sham. We (as guests) wash our dishes (even though there is a dishwasher available) five or six times a day. Why? There was a shortage of space to store dirty utensils! We had to wash and wear, wash and wear… so on.

I felt like a fish out of water in a foreign land. People of different skin color, different characteristics, different habits on the side of the road, some sitting on the pavement under the influence of drugs, beggars, restaurants that sell different types of food, mostly non-vegetarian, very, very expensive groceries , about 5 to 10 times more cost in India. A condo or studio apartment - Just one bedroom with a bathroom, which costs one lac rupee a month for rent in Seattle. High wages are therefore a sham. If you earn one lac a month in India, you must earn 6-7 lac a month or $ one lac a year in the US And you should not get sick. On the plus side, their public transportation system is really good, local AC electric buses are very frequent, punctual and it is a pleasure to travel in them. It is very expensive to maintain a car. Simple parking costs Rs. 15-20000 per month. Gasoline is cheap.

Second, about the costs of medical treatment: people are AFRAID OF GETTING SICK. Due to the prohibitive medical expenses that move the soul. Health insurance is also a sham. It was commented that medical treatment can bankrupt even the wealthy. The insurance terms are quite confusing. You never know in advance how much you will have to pay out of your own pocket after insurance takes care of some of the expenses. A friend informed him that he was so afraid of going to the doctor that he was prepared for an illness in the hope that it would go away on its own. Another friend prefers to visit India for a very inexpensive treatment. You save a ton of money even after round trip expenses and meet up with family members as a bonus. In fact, I would place it as a higher negative point. I took a lot of medicine from India for my son thinking that I would consult a local friendly doctor and ask my son to take a medicine from the ready-to-use kit that cost only Rs. 500. A test cost him Rs. 25000.

Thank God I finally landed in my homeland - India sweet India

Answer

(Edit: Balaji Viswanathan's answer in the link below is not only supportive but fills my heart with pride for being Indian

Dev Kumar Airon (देव कुमार ऐरन) shares Balaji Viswanathan (பாலாஜி விஸ்வநாதன்) answer to What is something India is much better at than other developed nations?)

From your question, it is clear that salary is important to you. If that was just the criteria, then there would be no point in moving to Canada, as it is in the top 30 highest paid years in the country.

To be realistic, without any Canadian experience, your early years may involve survival jobs or entry-level jobs. Some lucky people with work experience in the United States get great jobs in the first few months. But that's the exception, not the rule. Without judging your abilities, I would like to generalize that it will take you a long time to reach the same earning potential in Canada.

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From your question, it is clear that salary is important to you. If that was just the criteria, then there would be no point in moving to Canada, as it is in the top 30 highest paid years in the country.

To be realistic, without any Canadian experience, your early years may involve survival jobs or entry-level jobs. Some lucky people with work experience in the United States get great jobs in the first few months. But that's the exception, not the rule. Without judging your abilities, I would like to generalize that it will take you a long time to reach the same earning potential in Canada as it does in India.

It would not be worth your time and effort. You can have a better quality of life in India as your wallet can afford it.

I could tell you YES and make you happy, but you might not ask this question if you're sure about it.

It depends on what you want? If you are saving at least 3000CAD after living well, I don't think Canada is a good choice unless you are considering air quality and natural resources.

However, SE is one of the most demanding occupations in Canada and is also listed on NOC.

It also depends on your level of experience and technology. For example, it is a bit difficult to find a Senior iOS Engineer (6+ years), while there are many iOS 2+ developers on the market.

Here is the video on the occ in demand list

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I could tell you YES and make you happy, but you might not ask this question if you're sure about it.

It depends on what you want? If you are saving at least 3000CAD after living well, I don't think Canada is a good choice unless you are considering air quality and natural resources.

However, SE is one of the most demanding occupations in Canada and is also listed on NOC.

It also depends on your level of experience and technology. For example, it is a bit difficult to find a Senior iOS Engineer (6+ years), while there are many iOS 2+ developers on the market.

Here is the video on the list of in-demand occupations and a bit on software engineering statistics.

You are from India?
The same is the scenario for many. See brother if you really want to move, you must. If you compare the two, you will never get that Canadian lifestyle that you get here earning 1 lakh per month. You have to start all over, earning a decent salary of $ 50,000 to $ 80,000 a year. If you want to settle there forever, then I would tell you brother, this salary is too low. If you save money and return to India after 10 years, then yes, you are a rich man.

My scenario is even worse :(. I still want to go there. Therefore, I applied for a PR - Express visa

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You are from India?
The same is the scenario for many. See brother if you really want to move, you must. If you compare the two, you will never get that Canadian lifestyle that you get here earning 1 lakh per month. You have to start all over, earning a decent salary of $ 50,000 to $ 80,000 a year. If you want to settle there forever, then I would tell you brother, this salary is too low. If you save money and return to India after 10 years, then yes, you are a rich man.

My scenario is even worse :(. Still, I want to go there. Therefore, I applied for a PR visa - Express Entry. I received ECA today. I can keep in touch. We could help each other. :)

It depends a lot on the technology and the number of years of work experience you have. If you just graduated, you can earn between $ 45k and $ 65k a year. If you have more than 5 years of experience, that range would be between $ 75k and $ 92k. If the technology you have experience with is truly niche and hot in the market, you can also get up to $ 110- $ 120k, depending on how many years of work experience you have.

It depends on what you want in life. You can easily save 2 lakhs per month after all expenses and taxes with your skill set. So it's not a big deal, but you have access to great cars and good infrastructure, and you don't really have to work as hard as in India. On the downside, he will have no friends and will have 6-7 winter months.

20-29 is the best time to be in western countries as a single. It is not so good to have a spouse and children.

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