- Undergrad degree (3 to 4 years)
- $7,000 to $10,000 a year
- Medical school (3 to 4 years)
- $15,000 to $28,000 a year
- MCAT (medical school admission test), applications, interviews
- $2,000 to $5,000
- MCCQE (the national medical exam) plus the Royal College surgery exam
- $1,500 for the MCCQE, plus several thousand more for the Royal College exam
- Malpractice fees once practising
- About $14,600 a year in Ontario in 2026, less in other provinces, partly reimbursed
Roughly, all in
$72,500 to $166,500
Tuition, fees, exams and kit. Not rent, food or travel
The low end is three years of undergraduate study at $7,000 a year, a three year medical degree at $15,000 a year, and the exam and application fees. The high end is four years of each at the top of the tuition range, plus MCAT (Medical College Admission Test) costs, the MCCQE (Medical Council of Canada Qualifying Examination), and the Royal College surgery exam. The five or more years of surgical residency are paid work. Two things sit outside these numbers: many people leave medical school with large student debt, and malpractice coverage once you are practising costs about $14,600 a year in Ontario in 2026, though provincial reimbursement covers much of it.
Many people finish medical school with large student debt. Residency pay slows the bleeding but rarely pays it off.