Get a free, no obligation personal loan quote with rates as low as 9.99%
Get Started You can apply with no impact to your credit score
📅 Last Updated: March 11, 2024
✏️ Written By Lisa Rennie
🕵️ Fact-Checked by Caitlin Wood

No matter where you live and work in Canada, you’ll need to pay income taxes. Whatever your employer pays you is not what you’ll inevitably take home. 

There are taxes, benefits, and several deductions that are typically made to your gross salary. And once these deductions have been made, your net salary will be much different from your gross pay. 

How To Calculate Your Net Salary In Saskatchewan

The easiest way to calculate your net salary in Saskatchewan is to use an online calculator. Otherwise, the manual calculations are relatively simple. 

1. Find Out What Your Gross Pay is

Your gross salary or pre-tax pay, is typically found on your pay stubs. This is the amount you are paid before income taxes and other deductions are subtracted.

2. Add Up All Deductions

All applicable deductions should be listed on your paycheque. Add them all up to get a sum total for each month.

Some common deductions include the following:

  • Income taxes
  • Health plan expenses
  • Union dues
  • Moving expenses
  • Childcare expenses
  • Professional expenses
  • Employment Insurance (EI)
  • Canadian Pension Plan (CPP)
  • Registered Pension Plan (RPP) contributions from your employer
  • Registered Retirement Saving Plan (RRSP) contributions

The amount you’ll pay in taxes on your salary in Saskatchewan is based on both federal and provincial tax rates and deductions. Find out what your specific tax rates are to accurately calculate how much to deduct from your pay.

All of the applicable deductions are subtracted from your gross pay to arrive at your net salary.

3. Calculate Your Take-Home Pay  

To calculate your net salary in Saskatchewan, subtract the total of your monthly deductions from your monthly gross pay. The answer you arrive at is your net monthly salary. Multiply this number by 12 to arrive at your annual net pay.

If you’re paid on a bi-weekly basis, multiply the figures by 26. And if you’re paid on a semi-monthly basis, multiply the numbers by 24 to get your annual net pay. 

What Deductions Can Affect My Take-Home Pay in Saskatchewan?

Income taxes and various deductions can make a big difference between your gross pay and your net salary. In Saskatchewan, the following deductions will significantly impact your take-home pay:

Employment Insurance (EI)

If you’re unable to work, you may be eligible for EI benefits to help cover life’s biggest expenses. Common reasons to apply for EI include maternity leave, involuntary job loss, or illness.

Canada Pension Plan (CPP)

Employed Canadians pay into the CPP, which is an earnings-based social insurance program. Upon retirement, the CPP will kick in. You’ll receive funds regularly to serve as a form of retirement income. 

Quebecers do not contribute to the CPP. Instead, they pay into the Quebec Pension Plan (QPP).

Tax Rate In Saskatchewan

To accurately calculate your net salary, you’ll first need to determine which tax bracket you fall under and the applicable tax rate, both on a federal and provincial level. 

Federal Income Tax Rates 

The following chart outlines the federal tax rates for 2025 based on incremental income levels. As your pay increases, so does your tax rate:

Federal Tax RateFederal Income Tax Brackets
15%Applicable to taxable income up to $57,375
20.5%Applicable to taxable income over $57,375 up to $114,750
26%Applicable to taxable income over $114,750 up to $177,882
29%Applicable to taxable income over $177,882 up to $253,414
33%Applicable to taxable income over $253,414

Saskatchewan Provincial Income Tax Rates

Each province has its own tax rates that residents must pay on their income. Your gross pay will determine which provincial tax bracket you fall under in Saskatchewan. For 2025, the tax rates in Saskatchewan are:

Saskatchewan Tax RateSaskatchewan Income Tax Brackets
10.5%Applicable to taxable income up to $53,463
12.5%Applicable to taxable income over $53,463 up to $152,750
14.5%Applicable to taxable income over $152,750

How To Calculate Net Salary By Income In Saskatchewan

Using the above tax rates, you can calculate how much you’ll pay in federal and provincial income taxes. You can then plug these numbers into the following equation to calculate your net salary:

Net Salary = Gross Salary – Tax (Federal and Provincial) – Contributions (CPP + EI) 

Net Salary By Income In Saskatchewan

Residents in Canada are subject to the same federal tax brackets. However, each province or territory tax bracket is slightly different. The chart below outlines how various incomes in Saskatchewan impact the total taxes paid:

Gross SalaryFederal Tax DeductionProvincial Tax DeductionNet Salary
$60,000$5,972$4,048$49,980
$100,000$14,045$8,965$76,990

Note: This illustration shows the estimated net salary before EI and CPP deductions are made.

What Is The Minimum Wage In Saskatchewan? 

Currently, the minimum wage in Saskatchewan is $15.00 per hour. The province plans to increase the minimum wage each year.

The weekly pay based on 40 hours per week at the current minimum wage of $15.00 per hour would be $600. The yearly pay would be $30,000, based on 50 weeks a year (assuming you take 2 weeks unpaid vacation).

Based on the $15.00 per hour pay, the taxes paid and net salary would be as follows:

Gross SalaryFederal Tax DeductionProvincial Tax DeductionNet Salary
$30,000$1,618$991$27,391
Note: This illustration shows the estimated net salary before EI and CPP deductions are made.

Saskatchewan Tax Credit That Can Affect Income Taxes

Lowering your taxable income is a legitimate and effective way to cut down on the amount of taxes you owe. Saskatchewan offers a variety of tax credits to help reduce the amount of income tax you have to pay.

Saskatchewan Credit (SK479) 

You may be entitled to the Active Families Benefit (AFB) listed under the Saskatchewan Credit section. This benefit is available to those who were residents of Saskatchewan at the end of the year with an adjusted family income not exceeding $60,000. 

If eligible, you can claim up to $150 per child 18 years old and younger toward the cost of registering a child in a sporting, cultural, or recreational activity. To claim an amount, you would need to fill out Form SK479.

Non-Refundable Tax Credits 

Saskatchewan offers several non-refundable tax credits to help reduce your taxable income, including the following: 

  • Home renovations. You can save up to $420 a year in provincial taxes by claiming a tax credit on up to $4,000 in qualifying expenses.
  • Graduate tuition tax credit. If you graduated from an eligible educational institution in a qualifying program, you may be entitled to a maximum $24,000 lifetime claim.  
  • Medical expenses. You can claim medical expenses for yourself, your spouse or common-law partner, and your dependent children 18 years of age and younger.
  • Senior supplementary amount. You may be eligible for this credit if you were 65 years old or older in the previous tax year and lived in Saskatchewan at the end of the year, no matter what your net income is.
  • Caregiver amount. If you shared a home with one or more dependents at any time in the previous tax year, you may be able to make a claim up to $10,991 per dependent.

Do you know someone living with a disability in Saskatchewan? Learn about SAID.

Saskatchewan Average And Median Salary 

According to Statistics Canada, the average and median salaries in Saskatchewan in 2025 are as follows:

  • Average Income in Saskatchewan: $55,700
  • Median Income in Saskatchewan: $43,900

Take Home Pay FAQs

What is net salary? 

Your net salary is how much you earn before income taxes and any other deductions are removed. 

How much taxes will I pay if I make $80,000 in Saskatchewan? 

You’ll pay approximately $16,409 in both federal and provincial income taxes if you make $80,000 in Saskatchewan. This does not include CPP and EI contributions. 

What’s the benefit of knowing your gross pay and net pay? 

Knowing what your pre-tax pay is versus your net pay will help you come up with a more effective budget. Understanding the difference between the two can also give you more negotiating power when requesting a pay raise and comparing job offers. You can also use these figures to determine how much you can afford in household expenses. 

Final Thoughts

Unfortunately, your net salary is a lot different than your gross pay in Saskatchewan once you’ve subtracted all income taxes, benefits, and various deductions. That said, it’s important to understand the difference between your net salary and gross pay to ensure you come up with an accurate and effective budget.

Special Offers

Recognized As One Of Canada's Top Growing Companies

More From Our Experts

https://loanscanada.ca/wp-content/uploads/2020/10/Best-chequing-account-in-canada.png
Best Chequing Accounts In Canada 2025

By Daniel Schoester
Updated on December 20, 2025

Discover the best chequing accounts in Canada for 2025: High-interest rates, no fees, digital ease. An essential guide for smart banking choices.

https://loanscanada.ca/wp-content/uploads/2019/12/Buying-Car-Out-of-Province.png
Buying A Car Out Of Province: A Guide

By Veronica Ott
Updated on April 11, 2025

Found your dream car but it's for sale in another province? We have everything you need to know about purchasing a vehicle out of province.

https://loanscanada.ca/wp-content/uploads/2024/08/Trade-in-vehicle-not-paid-off.png
Can You Trade In A Vehicle That Is Not Paid off?

By Jessica Martel
Updated on April 11, 2025

Can you trade in a car that is not paid off? Find out where you can make the trade, and what to consider before you do.

https://loanscanada.ca/wp-content/uploads/2018/04/private-auto-party-loans.png
Private Party Auto Loans

By Kale Havervold
Updated on April 11, 2025

Financing a privately purchased used vehicle isn't as hard as you might think. Keep reading for everything you need to know.

https://loanscanada.ca/wp-content/uploads/2020/11/0-down-car-financing.png
0 Down Car Financing In Canada

By Caitlin Wood, BA
Updated on April 10, 2025

Everything you need to know about applying for a car loan in Canada with zero down payment.

https://loanscanada.ca/wp-content/uploads/2019/09/Student-Car-Loans.png
Car Loans For Students

By Bryan Daly
Updated on April 10, 2025

Are you a student looking to buy a car? Find out how you can get car loans as a student to finance your vehicle.

https://loanscanada.ca/wp-content/uploads/2022/12/Pre-Approved-car-loan-1.png
How To Get A Car Loan Pre-Approval In Canada

By Lisa Rennie
Updated on April 8, 2025

Thinking of getting a car loan to purchase a car? Be sure to get a car loan pre-approval to secure the best rates.

https://loanscanada.ca/wp-content/uploads/2025/04/Treadmill-financing.png
Treadmill Financing Options In Canada

By Jun Ho
Updated on April 8, 2025

Thinking about buying a treadmill but worried about the cost? You’re not alone. High-quality treadmills can range anywhere from $500 to over $5,000, d...

Why choose Loans Canada?

Apply Once &
Get Multiple Offers
Save Time
And Money
Get Your Free
Credit Score
Free
Service
Expert Tips
And Advice
Exclusive
Offers