Tracy Spencer
Lutheran Homes Kitchener-Waterloo/Chief Financial Officer
2025 Salary
$136,620Total compensation $138,880, including $2,260 in taxable benefits.
Source: Ontario’s Public Sector Salary Disclosure — names paid $100,000 or more that year. How we build this · Report an error on this page
At a Glance
2025
Employer Rank
#5Lutheran Homes Kitchener-Waterloo
Years on List
22024–2025
Peak Salary
$136,6202025
Full 2025 roster at Lutheran Homes Kitchener-Waterloo →·See where $136,620 ranks →
Total Compensation History
Full History
2024–2025
$107,159 in 2024 is worth about $109,357 in 2025 dollars.
| Year | Position | Salary |
|---|---|---|
| 2025 | Chief Financial OfficerLutheran Homes Kitchener-Waterloo | $136,620Benefits $2,260Total $138,880 |
| 2024 | Finance ManagerLutheran Homes Kitchener-Waterloo | $107,159Benefits $2,254Total $109,413 |
Take-Home Pay
(After Tax) · 2025 estimate
Tracy Spencer was paid $136,620 in 2025; after income tax, CPP and EI that is roughly $96,297, an effective income-tax rate of about 25.5%. Among those listed as Chief Financial Officer in 2025, the median was $175,869; this salary sits about 22% below it. Tracy Spencer has appeared on the list twice since 2024. This estimate leaves out pension contributions; members of OMERS, OTPP, HOOPP or OPTrust typically take home another 7–10% less.
- Estimated net pay
- ~$96,297
- Effective income-tax rate (excl. CPP/EI)
- ~25.5%
- CPP + EI contributions
- ~$5,507
- All-in deduction rate (incl. CPP/EI)
- ~29.5%
- vs. 2025 Chief Financial Officer median
- −22%
Where does $136,620 rank on the Sunshine List? →
Estimate only: 2025 federal and Ontario rates, basic personal amounts, Canada employment amount and CPP/EI credits; single, employment income only, salary treated as full-year income. Ignores pension contributions (OMERS, HOOPP, OTPP, OPTrust and similar plans lower actual take-home), union dues, RRSPs and benefits.