$38 an hour is how much a year in Canada?
Quick Answer
$38 an hour is $79,040 a year working full time (40 hours a week, 52 weeks). After tax, CPP and EI, that's about $59,654 a year in Ontario — $4,971 a month, or roughly $28.68 an hour in your pocket. Across the country, take-home ranges from $55,860 in Nova Scotia to $61,631 in Nunavut.
$38/hour, full time
$79,040/yr
After tax (ON)
$59,654
Per month, net
$4,971
Biweekly, net
$2,294
$38 an hour before tax
- Per year (2,080 hours): $79,040
- Per month: $6,587
- Every two weeks: $3,040
- Per week (40 hours): $1,520
- With two weeks unpaid (2,000 hours): $76,000
- Overtime (1.5×): $57.00 an hour
If you don't work 40 hours a week
Part-time and compressed schedules change the annual number a lot. At $38 an hour:
| Hours a week | Hours a year | Gross pay | After tax (ON) |
|---|---|---|---|
| 40 hours (full time) | 2,080 | $79,040 | $59,654 |
| 37.5 hours | 1,950 | $74,100 | $56,327 |
| 35 hours | 1,820 | $69,160 | $53,235 |
| 30 hours | 1,560 | $59,280 | $46,877 |
| 20 hours | 1,040 | $39,520 | $32,454 |
$38 an hour after tax, by province
Full-time pay of $79,040, after federal and provincial tax, CPP (QPP in Quebec) and EI:
| Province/Territory | Take-home /yr | Per month | Effective rate |
|---|---|---|---|
| Nunavut | $61,631 | $5,136 | 22.0% |
| Northwest Territories | $60,513 | $5,043 | 23.4% |
| British Columbia | $60,495 | $5,041 | 23.5% |
| Yukon | $60,293 | $5,024 | 23.7% |
| Alberta | $60,057 | $5,005 | 24.0% |
| Ontario | $59,654 | $4,971 | 24.5% |
| Saskatchewan | $58,404 | $4,867 | 26.1% |
| New Brunswick | $57,642 | $4,804 | 27.1% |
| Manitoba | $57,613 | $4,801 | 27.1% |
| Newfoundland and Labrador | $57,258 | $4,771 | 27.6% |
| Quebec | $56,845 | $4,737 | 28.1% |
| Prince Edward Island | $56,755 | $4,730 | 28.2% |
| Nova Scotia | $55,860 | $4,655 | 29.3% |
What $38 an hour affords
- Rent: about $1,976 a month at the common 30%-of-gross guideline — see how much rent you can afford
- A home: roughly $343,175 with 10% down and no other debts, qualified at the 6.5% stress-test rate (run yours in the stress test calculator).
- Savings: 10% of gross is $7,904 a year — enough to matter inside a TFSA
Assumptions
- 2,080 paid hours a year (40 hours × 52 weeks) unless the table says otherwise; no overtime or bonuses
- 2026 federal and provincial brackets and basic personal amounts, Ontario surtax and Health Premium, CPP/CPP2 (QPP in Quebec) and EI premiums
- A single employee with no other income, credits or deductions. Real paycheques also reflect benefits premiums, pension contributions and other credits, so treat this as a planning estimate
- Your exact number: the salary calculator and income tax calculator
Related pages
- Take-home pay on a $80k salary — the closest salary breakdown
- Hourly to salary, after tax
- Every hourly rate, converted
- Minimum wage by province — how this wage compares to the legal floor
- $35 an hour is how much a year?
- $40 an hour is how much a year?
Frequently Asked Questions
How much is $38 an hour annually in Canada?
$38 × 2,080 hours (40 hours a week, 52 weeks) is $79,040 a year before tax. That's $6,587 a month, $3,040 every two weeks, or $1,520 a week. With two weeks of unpaid time off it works out to $76,000.
How much is $38 an hour after taxes?
In Ontario, roughly $59,654 a year, or $4,971 a month, after federal and provincial tax, CPP and EI (an effective deduction rate of 24.5%). That works out to about $28.68 an hour in your pocket. Take-home ranges from $55,860 in Nova Scotia to $61,631 in Nunavut.
How much is $38 an hour per month?
$6,587 a month before tax, and about $4,971 after tax in Ontario. Note that biweekly pay means two months a year have three pay periods, so monthly deposits vary.
Can you live on $38 an hour in Canada?
At $79,040 a year, the common 30%-of-gross rule puts rent at about $1,976 a month, and the mortgage stress test supports roughly a $343,175 home with 10% down and no other debts. Whether that works depends heavily on your city: the same wage is comfortable in much of Atlantic Canada and tight in Toronto or Vancouver.
What is time and a half on $38 an hour?
$57.00 an hour. In most Canadian jurisdictions overtime starts after 40 hours in a week (44 in Ontario, and the rules differ by province and industry), and it's paid at 1.5 times your regular rate.