Understanding take-home pay
Gross vs net salary: what is take-home pay?
Understand the difference between your salary, your take-home estimate and the cash left after saving.
Understand. Then decide.
A clearer view of your pay.
Guides to the numbers behind your salary, your savings and your next move. Plain language, stated assumptions and a practical next step.
How these guides are prepared →All guides
Understanding take-home pay
Understanding deductions from a Canadian salary
Read the main tax, pension and insurance deductions, and understand what an annual estimate leaves out.
Raises and job offers
How much of an extra CA$1,000 do you keep?
See why the next CA$1,000 has its own deductions, distinct from your overall keep rate.
Raises and job offers
What does a 10% raise mean for take-home pay?
Translate a headline raise into annual take-home, without confusing gross and net percentage changes.
Contributions and budgeting
RRSP contributions and TFSA savings affect your estimate differently
Separate a deductible contribution from post-tax saving, and check your personal room before entering either.
Comparing locations
Comparing countries: what take-home keep rate tells you
Compare the share of salary retained while keeping currency, model scope and purchasing power separate.