$38 an hour by hours worked
What the same hourly rate pays at different weekly schedules (overtime premium not included).
| Hours per week | Per week | Per month | Per year |
|---|---|---|---|
| 16 h | $608.00 | $2,634.67 | $31,616 |
| 20 h | $760.00 | $3,293.33 | $39,520 |
| 25 h | $950.00 | $4,116.67 | $49,400 |
| 30 h | $1,140.00 | $4,940.00 | $59,280 |
| 35 h | $1,330.00 | $5,763.33 | $69,160 |
| 37.5 h | $1,425.00 | $6,175.00 | $74,100 |
| 38 h | $1,444.00 | $6,257.33 | $75,088 |
| 40 h | $1,520.00 | $6,586.67 | $79,040 |
| 45 h | $1,710.00 | $7,410.00 | $88,920 |
What $38 an hour adds up to
- Of every extra $1,000 you earn at this level, you keep $675.
- Your taxable income is in the 20.5% federal bracket, $38,894 below the 26% bracket.
- You pay the maximum regular CPP contribution and part of the second contribution (CPP2) on earnings above $74,600.
- Your RRSP room from this salary is about $14,227 (18% of earned income), usable next year.
- A TFSA and an RRSP both make sense at this income: the RRSP gives a refund at your marginal rate, the TFSA grows tax-free.
$38 an hour after tax by pay period (Ontario)
Most Canadian employers pay bi-weekly (26 pays a year) or semi-monthly (24 pays). This table shows every schedule.
| Pay period | Gross pay | Deductions | Take-home pay |
|---|---|---|---|
| Yearly | $79,040 | $19,386 | $59,654 |
| Monthly | $6,586.67 | $1,615.48 | $4,971.19 |
| Semi-monthly | $3,293.33 | $807.73 | $2,485.60 |
| Bi-weekly | $3,040.00 | $745.60 | $2,294.40 |
| Weekly | $1,520.00 | $372.80 | $1,147.20 |
| Daily | $304.00 | $74.56 | $229.44 |
| Hourly | $38.00 | $9.32 | $28.68 |
Take-home pay in every province and territory
Provincial taxes make a real difference. On $79,040, take-home pay ranges from $55,860 in Nova Scotia to $61,631 in Nunavut.
Where your money goes
- Take-home pay$59,65475.5%
- Federal income tax$9,05411.5%
- Ontario income tax$4,8016.1%
- CPP contributions$4,4085.6%
- Employment Insurance$1,1231.4%
- Federal income tax ($9,054). Federal brackets apply to $78,151 of taxable income, minus non-refundable credits such as the basic personal amount.
- Ontario income tax ($4,801). Each province has its own brackets and credits, and Ontario adds a surtax and the Ontario Health Premium.
- CPP contributions ($4,408). Deducted from each paycheque until you reach the yearly maximum.
- Employment Insurance ($1,123). Covers income if you lose your job or take parental or sickness leave.
Frequently asked questions
$38 an hour is how much a year?
$79,040 a year before tax, based on 40 hours a week and 52 weeks.
$38 an hour is how much a month?
About $6,586.67 per month before tax.
$38 an hour is how much a week?
$1,520.00 per week before tax for 40 hours.
How much is $38 an hour after tax?
About $59,654 a year, or $28.68 per hour in Ontario.
Figures use CRA and Revenu Québec 2026 federal and provincial brackets, basic personal amounts, CPP/QPP, EI and QPIP rates for an employee. Read our methodology. Last updated September 25, 2026. Estimates for information only, not tax advice.