Profession take-home pay calculator (2026)

On the Job Bank median wage of $42.00 an hour, a permanent full-time registered nurse in Ontario takes home about $5,083 a month, or $60,993 a year, after federal and provincial tax, CPP, EI and a $6,115 pension contribution. Edit the wage to match your grid step; medians are midpoints, not your rate.

Temp and contract roles usually pay a percentage in lieu of benefits instead of enrolling you in the pension plan. On the Ontario defaults, a temp full-time registered nurse takes home about $6,160 a month versus $5,083 for a permanent nurse at the same hourly wage: the $12,230 a year of in-lieu pay outweighs the $6,115 pension contribution and its tax effect. The trade is real: temp work gives up the pension, paid vacation and benefits that permanent work includes.

In-lieu pay is a percentage added to hourly pay instead of benefits and, in some contracts, vacation pay. A commonly reported figure for Ontario temp nursing is about 14%. It is taxable employment income, and CPP and EI apply to it. This calculator defaults temp roles to 14% in-lieu and 0% pension, and lets you edit both.

It depends on the plan and the employer. This calculator defaults part-time roles to the profession pension default (for example 7% for nurses) and 0% in-lieu, but many part-time roles pay in-lieu instead of benefits. Set both percentages to match your contract; the breakdown updates instantly.

Government of Canada Job Bank median hourly wages, Labour Force Survey 2023-2024, updated November 19, 2025. Province medians verified against Job Bank wage reports are used; otherwise the national median is used and the page says so. Medians describe the middle of the wage distribution, not a collective agreement grid, so always edit the wage to your actual rate.

No, they are labeled estimates. Real plan rates vary by plan and by earnings (for example, some plans charge a lower rate below the pensionable maximum and a higher rate above it). The calculator uses a single flat percentage per profession so the breakdown stays readable; edit it to your plan rate for a closer figure.

On the Job Bank median wage of $44.33 an hour, a permanent full-time secondary teacher in BC takes home about $5,261 a month, or $63,134 a year, after tax, CPP, EI and a $9,221 pension contribution. Teacher pension defaults are estimates, not OTPP or BCTF plan rules.

On the Job Bank median wage of $31.00 an hour, a temp full-time registered practical nurse in Ontario takes home about $4,662 a month, including $9,027 a year of in-lieu pay and no pension deduction.