Cost of living in Toronto is roughly 30% cheaper than SF: https://www.expatistan.com/cost-of-living/comparison/san-francisco/toronto https://www.expatistan.com/

Cost of living in Toronto is roughly 30% cheaper than SF: https://www.expatistan.com/cost-of-living/comparison/san-francisco/toronto https://www.expatistan.com/cost-of-living/comparison/san-fra...? So a 15-20% salary reduction probably puts you ahead.