$18 an hour: what is the take-home pay in Canada?
Rates verified on 2026-10-03 — official sources
$18 an hour after tax: the breakdown
$18 an hour is a gross annual salary of $37,440.00 — $3,120.00 per month gives $2,593.83 take-home pay per month with default Canadian assumptions — before pre-tax deductions that vary by employer. Employee deductions take $526.17 per month, an effective rate of 16.86%. The breakdown below covers Canada Pension Plan contributions (CPP and CPP2), Employment Insurance premiums and federal plus Ontario income tax — the default province.
Contribution breakdown
| Line | Rate | Base | Amount |
|---|---|---|---|
| CPP (≤ YMPE 74,600 $) | 5.95% | $33,940.00 | $2,019.43 |
| Employment Insurance (≤ 68,900 $) | 1.63% | $37,440.00 | $610.27 |
| Federal income tax | 6.93% | $37,100.60 | $2,570.16 |
| ON provincial income tax | 3.00% | $37,100.60 | $1,114.20 |
| Total employee contributions | $6,314.06 |
Excludes employer-specific insurance and benefits (which vary by plan) — indicative estimate, not contractual.
Refine with the calculator
| Line | Rate | Base | Amount |
|---|---|---|---|
| CPP (≤ YMPE 74,600 $) | 5.95% | $2,828.33 | $168.29 |
| Employment Insurance (≤ 68,900 $) | 1.63% | $3,120.00 | $50.86 |
| Federal income tax | 6.93% | $3,091.72 | $214.18 |
| ON provincial income tax | 3.00% | $3,091.72 | $92.85 |
- Surtax Ontario et Ontario Health Premium non modélisés (v1) — léger écart possible aux hauts revenus.
Frequently asked questions
What is the take-home pay for $18 an hour?
$18 an hour gives $2,593.83 take-home pay per month — $31,125.94 per year — with default Canadian assumptions, before pre-tax deductions like retirement contributions or health premiums. Employee deductions take $526.17 per month, an effective rate of 16.86%.
How much is $18 an hour per year?
$18 an hour corresponds to $37,440.00 gross per year (2,080 hours) and $31,125.94 take-home per year — $2,593.83 per month.
Why does my actual paycheck differ?
The figure shown uses the default province (Ontario) — take-home differs in Quebec (QPP, QPIP and the federal abatement) or British Columbia; pick your province in the full calculator. Pre-tax deductions like RRSP contributions or group benefits are also outside the calculator scope — see the methodology page.