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To calculate my pay from an hourly wage, multiply the wage by your weekly hours and by 52. At $28 an hour and 40 hours a week that’s $58,240 a year before deductions, or $1,120 a week. In Ontario, about $46,154 of it reaches your account.
How do I calculate my pay before anything comes off?
Gross pay is the number on the offer letter, and it’s easy to get. Hourly wage times hours times paid weeks. Divide a yearly salary by 12 for a month, by 26 for a two-week cheque, or by 52 for a week. The hourly to salary calculator does the switch in both directions, and it shows the same wage after deductions.
Watch the hours. A “40 hour week” often includes an unpaid lunch, and if yours does, you’re really paid for 37.5 or 35. That one detail moves a yearly figure by thousands, so use hours you’re paid for, not hours you’re at work. At 37.5 paid hours, $28 an hour comes to $54,600 a year, which is $3,640 less than the 40 hour version.
| Period | At $28 an hour, 40 hours |
|---|---|
| Week | $1,120.00 |
| Every two weeks | $2,240.00 |
| Month | $4,853.33 |
| Year | $58,240 |
What does overtime add to a week?
Your province sets the rules, and the extra can be sizeable. In Ontario the Employment Standards guide starts overtime after 44 hours in a week, at 1.5 times your regular rate, so a 50 hour week at $25 an hour splits into 44 regular hours worth $1,100 and something extra on top. Those last six hours pay $37.50 each, or $225. The week comes to $1,325, and the overtime pay calculator shows the same split.
Two catches. Managers and supervisors doing management work are exempt in Ontario, and so are other job groups. And if your employer gives you paid time off in place of cash, the guide says it’s 1.5 hours off for each overtime hour, agreed in writing. Other provinces use other thresholds, so pick your own on the calculator before you trust a number.
What comes off my pay cheque?
Three things: income tax, CPP and EI. Income tax depends on your whole year, which is why a single cheque can’t tell you the answer. CPP and EI follow fixed rules for 2026, and both stop once you’ve paid the yearly maximum.
| 2026 item | Figure |
|---|---|
| CPP rate | 5.95% of pay above $3,500 |
| CPP ceiling (maximum pensionable earnings) | $74,600 |
| Highest CPP payment (first tier) | $4,230.45 |
| EI rate outside Quebec | 1.63% |
| EI ceiling | $68,900 |
| Highest EI payment | $1,123.07 |
The CPP and EI limits are on CRA pages. The income tax part comes from the calculator, which uses federal and Ontario brackets for 2026.
A worked example in Ontario
Take that $28 wage, a 40 hour week and no overtime. The take-home pay calculator and the yearly figure agree on $46,154 after tax, CPP and EI. That’s $58,240 minus about $7,880 of income tax, $3,257 of CPP and $949 of EI. You keep about 79%, or around $3,846 a month. Spread over the year, that’s roughly $1,775 on each two-week paycheque or $888 a week (the yearly $46,154 divided by 26 and by 52). A ballpark, since real stubs vary with the pay calendar.
Now say you want the reverse: $4,000 a month in your account. The net to gross calculator says you’d need about $61,027 a year before deductions, which is $31.30 an hour at 37.5 hours a week. It’s a useful check when you’re negotiating.
How do I check a job offer against what I need?
Start from the bills, not the wage. Add rent, food, transit, phone and the loan payment, then see what monthly take-home that implies. Work backwards with the net to gross calculator above, and you have a number to bring to the talk with a new employer. If the wage on offer falls short, you know by how many bucks an hour before you sign.
It also helps to ask whether the hours are guaranteed. A wage with unsteady hours is a different offer from the same wage with a fixed 40.
Why doesn’t my pay stub match?
Usually one of four things is going on, and the first is that your employer withholds tax using payroll tables and your TD1 form, so the stub is an estimate and the true bill comes when you file. A pay stub also shows benefit costs, union dues or pension payments, and our calculators leave those out. Bonuses get taxed at your top rate, so a month with a bonus looks worse than it is (the bonus tax calculator shows the real cost). Finally, vacation pay may be paid on each cheque or as a lump, which changes the look of a single period.
The calculators assume steady pay all year, the basic personal amount, and the CPP and EI credits. They don’t include other credits, benefits or deductions. If your job moves between hours from week to week, add your last four stubs and use the average.
Our sources
CPP and EI limits come from Canada Revenue Agency pages for 2026. Ontario’s overtime rule comes from the province’s guide to the Employment Standards Act. Tax brackets come from the CRA and the province. We checked them in September 2026, and this site has no connection with either government.
Frequently asked questions
How do I turn an hourly wage into a yearly salary?
Multiply the wage by weekly hours and by 52. At $28 an hour and 40 hours a week that's $58,240 a year before deductions.
When does overtime start in Ontario?
After 44 hours in a week, at 1.5 times your regular rate, according to Ontario's Employment Standards guide. Managers and some other job groups are exempt.
How much of $58,240 do I keep in Ontario?
About $46,154 a year after income tax, CPP and EI, or about $3,846 a month, based on the take-home calculator's 2026 figures.
Do CPP and EI stop during the year?
Yes. In 2026 CPP is charged on pay up to $74,600 and EI on pay up to $68,900. After you hit the yearly maximum the deduction stops.
What do I earn per hour if I want $4,000 a month in my account?
About $31.30 an hour before deductions at 37.5 hours a week, in Ontario, which is $61,027 a year.
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