Graduate Stipends
Graduate Stipends cover the cost of tuition+incidental fees and provide a basic living allowance. This Stipend/Base Funding may be eligible for a Top-Up Amount/Merit Bonus if the student applies for and secures a Competitive Award. These amounts and policies are set by the Faculty of Medicine. All MSc and PhD students will complete a funding Agreement Form on the GEMS platform to formalize their funding agreement each year (more info about GEMS). Students finishing up their program should consult the policies on Fees and Funding in the Final Year to understand which fees and stipend amounts apply.
Please note: It is the student's responsibility to ensure all fees are paid in a timely manner to avoid delays in registration or interest charges.
2025-2026 Base Funding/Stipend Amounts
MSc Students
Please Note: The Living Allowance is the same for all MSc students, however, the Base Funding/Stipend Amounts for Domestic New and Domestic Returning students will differ to reflect differing Tuition + Fee Amounts as follows:
$9,608.48 for those starting September 2025
$9,438.48 for those who started in 2024-25 or prior.
Domestic New Students (starting September 2025):
$29,819.88 living allowance
$9,608.48 tuition and incidental fees
$39,428.36 total base funding/stipend
Domestic Returning Students (starting 2024 or prior):
$29,819.88 living allowance
$9,438.48 tuition and incidental fees
$39,258.36 total base funding/stipend
PhD Students
Domestic Students:
$32,910.48 living allowance
$8,448.48 tuition and incidental fees
$41,358.96 total base funding/stipend
International Students:
$32,910.48 living allowance
$8,448.48 domestic rate tuition and incidental fees
$792.00 UHIP - Health Insurance Plan
$42,150.96 total base funding/stipend
2025-2026 Top Up Amount/Merit Bonus for Competitive Awards
In the 2025 – 2026 Faculty of Medicine Harmonized Base Funding Agreement, all awards that require student applications are eligible for a top-up (exceptions noted below).
The top-up amounts are as follows:
| AWARD AMOUNT | TOP-UP* |
| $0.00 to $2,000 | There will be no top-up but the student gets to keep the award(s), up to a combined maximum of $2,000. The amount of the award will not be deducted from the base funding. |
| Between $2,001 to $9,999 (cumulative awards) | Award goes towards the base funding and the student receives a $2,000 top-up over their base funding. |
| Between $10,000 to $15,000 (cumulative awards) | Award goes towards the base funding and the student receives a $3,000 top-up over their base funding. |
| Between $15,001 to $39,999 (cumulative awards) | Award goes towards the base funding and student receives a $4,000 top-up over their base funding. |
| Between $40,000 and $45,000 (cumulative awards) | Award goes towards the base funding and the student receives a $5,000 top-up over their base funding. The maximum a student can receive from all sources (cumulative awards and top up) can be no more than $50,000 |
| Betwee $45,001 and $50,000 (cumulative awards) | No top up, but student can hold the award(s) up to $50,000 |
Important Notes
- Within an academic year (or 12 months period), the total cumulative top-up maximum is $5,000. That is, if a student holds an award of $25,000 and another award of $17,500, their total top-up is $5,000
- The top-up is only provided in amounts of $2,000, $3,000, $4,000 or $5,000 per year (does not exceed 12 months) and is added above the base funding amount
- A Student, who receives award(s) higher than $50,000 is not eligible for any top-up and can only retain the award(s) up to the maximum total of $50,000.
- Payment of top-ups will occur annually for the duration of the award and the student will revert back to the appropriate base graduate student funding package amount thereafter
- Top-up eligibility excludes University of Toronto Fellowship (eg: UTF Open), Doctoral Completion Awards, Temerty Faculty of Medicine Entrance Scholarship, GSS funds, travel awards, and bursaries