Select the purpose, fill in the salary details and click Generate Salary Verification Letter for a professional, ready-to-use document.
The letter must be written and signed by an authorised representative of your employer — typically your HR department, direct manager or a company director. It must be printed on company letterhead. You can prepare a draft using this tool and give it to your HR team or manager to review, print on official letterhead and sign. You cannot sign it yourself as the employee.
Always gross (before tax) unless the requesting institution specifically asks for net. Banks, lenders and immigration authorities base eligibility calculations on gross income — it is the universal standard for salary verification. If net income is also requested, include both clearly labelled with separate lines.
For commission-based or bonus income, select the Commission type and enter your base salary plus average commission over 12 or 24 months. Most mortgage lenders average variable income over 24 months. State the averaging period clearly in the letter — "average annual commission of $X over the preceding 24 months." Your accountant or mortgage broker can advise on the best presentation for your specific lender.
This tool is designed for employees. If you are self-employed, your standard alternatives are: a Notice of Assessment (NOA) from CRA confirming your most recent income, a letter from your accountant confirming your average annual income, business bank statements showing consistent deposits, or signed client contracts demonstrating ongoing work. Most lenders have a specific self-employed income verification process — ask what they require.
Most HR departments produce standard salary verification letters within 2–5 business days. For urgent needs such as mortgage closings or immigration deadlines, explain your deadline when making the request and ask for expedited processing. Providing this pre-drafted template to your HR team significantly speeds up the process — they review, adjust if needed, place on letterhead and sign rather than starting from scratch.
For some purposes — particularly rental applications — a recent pay stub may be accepted in place of or alongside a letter. For mortgage applications, most lenders want both a verification letter confirming permanent employment and recent pay stubs. For immigration and government agency purposes, a formal letter on company letterhead is almost always required in addition to other income documents.