Ontario vs Saskatchewan Tax Comparison
On an $80,000 salary in 2026, Ontario gives you $1,565 more per year in take-home pay. Here's the full breakdown.
Take-Home Pay Comparison (2026)
| Salary | Ontario | Saskatchewan | Difference | Better In |
|---|---|---|---|---|
| $60,000 | $46,243.00 | $45,198.17 | $1,045 | Ontario |
| $80,000 | $58,933.23 | $57,368.39 | $1,565 | Ontario |
| $100,000 | $72,709.92 | $70,568.39 | $2,142 | Ontario |
Assumes employed, no RRSP contributions, no student loan. Difference = Ontario take-home minus Saskatchewan.
Full Breakdown — $80,000 Salary (2026)
| Ontario | Saskatchewan | Difference | |
|---|---|---|---|
| Gross Income | $80,000.00 | $80,000.00 | — |
| Federal Tax | $10,292.73 | $10,292.73 | — |
| Provincial Tax & Levies | $5,204.52 | $6,769.36 | -$1,564.84 |
| CPP | $4,446.45 | $4,446.45 | — |
| EI | $1,123.07 | $1,123.07 | — |
| Total Deductions | $21,066.77 | $22,631.61 | -$1,564.84 |
| Take-Home Pay | $58,933.23 | $57,368.39 | +$1,564.84 |
| Effective Rate | 26.0% | 28.0% | -2.0pp |
| Monthly Take-Home | $4,911.10 | $4,780.70 | +$130.40 |
Difference column shows Ontario minus Saskatchewan. Green = Ontario is better.
Provincial Tax Brackets (2026)
Ontario (top rate 13.16%)
| Bracket | Rate |
|---|---|
| $0 – $53,891 | 5.1% |
| $53,891 – $107,785 | 9.2% |
| $107,785 – $150,000 | 11.2% |
| $150,000 – $220,000 | 12.2% |
| $220,000 – No limit | 13.2% |
BPA: $12,989
Saskatchewan (top rate 14.5%)
| Bracket | Rate |
|---|---|
| $0 – $54,532 | 10.5% |
| $54,532 – $155,805 | 12.5% |
| $155,805 – No limit | 14.5% |
BPA: $20,381
Why the Difference?
Ontario has 5 provincial tax brackets with a top rate of 13.2%, while Saskatchewan has 3 brackets with a top rate of 14.5%. Saskatchewan has a significantly higher basic personal amount ($20,381 vs $12,989), which means more income is shielded from provincial tax. Federal tax and CPP are identical in both provinces. The difference comes entirely from provincial income tax rates and credits.
Your tax province is determined by where you are resident on December 31 of the tax year — not where your employer is based. If you move mid-year, your new province’s rates apply to your entire year’s income.
Ontario vs Saskatchewan: big-city finance meets prairie affordability
Potash, grain, and energy set Saskatchewan's economic rhythm, and its cities remain among the most affordable places in Canada to buy a home — a very different starting point from the Toronto-centred corridor that dominates Ontario's economy. The two provinces compete for workers less directly than Ontario and Alberta do, but remote work has widened the group of people genuinely weighing one against the other.
Saskatchewan runs its provincial sales tax separately on top of the federal GST — and carries one of the lighter sales-tax loads among the provinces that take that approach — while Ontario charges a single combined HST across a broad base. Ontario stacks on costs Saskatchewan largely avoids: a provincial surtax on higher provincial tax bills, a land transfer tax on property purchases, and a second municipal transfer tax for buyers inside Toronto itself. How that nets out against an Ontario salary offer at your income level is what the take-home comparison above is there to answer.
Beyond Income Tax: Ontario vs Saskatchewan
| Ontario | Saskatchewan | |
|---|---|---|
| Sales tax | 13% HST | 11% (5% GST + 6% PST) |
| Land transfer tax on a $500,000 home | $6,475 (Land Transfer Tax) | No land transfer tax ($2,000 registration fees) |
| Probate fees on a $500,000 estate | $6,750 | $3,500 |
GST+PST provinces tax a narrower base than HST provinces — not all goods and services attract PST. Non-first-time buyer, province-level tax only. Toronto adds a separate municipal land transfer tax. Figures derive from the same 2026 config that powers our calculators.
Who Comes Out Ahead?
Energy and agriculture-sector workers considering a move west
Saskatchewan's lighter provincial sales tax and more affordable housing can add up to real savings, but confirm the picture at your own salary in the comparison above before deciding.
Homebuyers pricing out a purchase in Toronto versus Regina or Saskatoon
Closing costs diverge sharply between the two markets: Saskatchewan keeps property transfer charges modest, while a Toronto purchase attracts both the provincial land transfer tax and the city’s own municipal levy.
Remote workers based anywhere in Canada
Saskatchewan's affordability advantage tends to outweigh small tax differences for most remote salaries, though the take-home figures further up are worth a look for yours.
Bottom Line
Saskatchewan's lighter sales tax load and prairie housing costs matter more day to day than the income tax gap with Ontario — use the tables above to see your own numbers.
Frequently asked questions
Is Ontario or Saskatchewan better for taxes?
At an $80,000 salary in 2026, Ontario gives you $1,565 more in annual take-home pay. Ontario has a top provincial rate of 13.16% while Saskatchewan's is 14.5%. The exact savings depend on your income level.
How much more tax do you pay in Saskatchewan vs Ontario?
On an $80,000 salary in 2026, Saskatchewan residents pay approximately $1,565 more in total deductions (income tax + CPP + EI) per year compared to Ontario. This difference is primarily driven by provincial income tax rates.
Is CPP the same in every province?
Yes. The Canada Pension Plan (CPP) is a federal program with uniform contribution rates across all provinces, including Quebec which uses the equivalent Quebec Pension Plan (QPP) at the same rate. CPP/QPP does not contribute to interprovincial tax differences.
What determines my tax province — where I live or where I work?
Your province of residence on December 31 determines which provincial tax rates apply to your entire year's income. It does not matter where your employer is located or where you physically work. If you move provinces during the year, your new province's rates apply to all income earned that calendar year.
How does sales tax compare between Ontario and Saskatchewan?
As of 2026, Ontario charges 13% HST while Saskatchewan charges 11% (5% GST + 6% PST). Unlike income tax, sales tax applies to what you spend rather than what you earn, so it matters most for large purchases. Provinces that combine GST with a separate PST also tax a narrower base of goods and services than HST provinces.
Related Province Comparisons
Related Tools
- Compare All 13 Provinces — Interactive calculator ranking every province by take-home pay.
- Moving Province Calculator — See exactly how much you’d save moving between two provinces.
- Income Tax Calculator — Full income tax breakdown by bracket.
Sources
Last updated July 2026. Reflects 2026 federal and provincial tax rates. Assumes employed, no RRSP, no student loan.