Quebec Income Tax Calculator 2026
Enter your salary to see your 2026 federal and Quebec income tax, QPP, EI and QPIP, and what you actually take home.
2026 rates · verified Oct 21–23, 2026
Your take-home pay
$45,328.29 a year
$1,743.40 every two weeks
| Gross income | $60,000.00 |
|---|---|
| Federal income tax | −$4,427.34 |
| Quebec income tax | −$5,646.87 |
| QPP | −$3,559.50 |
| QPP2 | −$0.00 |
| EI | −$780.00 |
| QPIP | −$258.00 |
| Take-home pay | $45,328.29 |
- Take-home
- Income tax
- QPP
- EI + QPIP
- Average tax rate
- 16.8%
- Marginal tax rate
- 36.1%
Estimated refund
Your inputs
Calculated in your browser. Your numbers never leave your device.
Confirmed for 2027: the EI rate for Quebec employees drops from 1.30% to 1.29% on earnings up to $70,800. QPP and QPIP rates for 2027 aren’t published yet. The calculators move to 2027 rates from January 1, once the rest of the 2027 figures are published. Source: CRA’s EI rates.
Your tax brackets
Federal: your taxable income of $59,435 reaches the 20.5% bracket; credits cover the first $21,986, and the tax is $4,427.34. Quebec: your taxable income of $57,985 reaches the 19% bracket; credits cover the first $18,952, and the tax is $5,646.87.
Tax from each bracket
| Bracket | Rate | Your income in it | Covered by credits | Tax |
|---|
How this is calculated
Employers in Quebec work out two taxes. Quebec tax uses Revenu Québec’s TP-1015.F Formulas to Calculate Source Deductions and Contributions (January 2026 edition). Federal tax uses CRA’s T4127 Payroll Deductions Formulas, with its Quebec rules. We tested both against the government’s own calculators, Revenu Québec’s WebRAS and CRA’s Payroll Deductions Online Calculator, and they match to the cent.
- QPP: 6.3% of your earnings above $3,500, up to $74,600. The most anyone pays is $4,479.30.
- QPP2: 4% of earnings between $74,600 and $85,000, up to $416.00.
- EI: 1.3% of earnings up to $68,900, up to $895.70. That’s lower than the 1.63% paid elsewhere, because QPIP pays parental benefits in Quebec.
- QPIP: 0.430% of earnings up to $103,000, up to $442.90.
- Federal tax: taxable income is your income minus the “enhanced” part of QPP (the 1% first additional contribution) and all of QPP2. Each slice is taxed at the federal rates below, then 14% credits come off: the basic personal amount ($16,452, reduced gradually to $14,829 for net income between $181,440 and $258,482), the Canada employment amount ($1,501), the base part of your QPP, your EI and your QPIP.
- Quebec abatement: the federal tax from step 5 is reduced by 16.5%.
- Quebec taxable income: your income minus the deduction for workers (6% of employment income, up to $1,450), the enhanced part of QPP and QPP2.
- Quebec tax: each slice is taxed at the Quebec rates below, then 14% of the Quebec basic personal amount ($18,952) comes off. Unlike federal tax, the Quebec payroll formula gives no credit for QPP, EI or QPIP.
- Take-home pay = income − federal tax − Quebec tax − QPP − QPP2 − EI − QPIP.
| Taxable income | Rate |
|---|---|
| $0 to $58,523 | 14% |
| $58,523.01 to $117,045 | 20.5% |
| $117,045.01 to $181,440 | 26% |
| $181,440.01 to $258,482 | 29% |
| Over $258,482 | 33% |
| Taxable income | Rate |
|---|---|
| $0 to $54,345 | 14% |
| $54,345.01 to $108,680 | 19% |
| $108,680.01 to $132,245 | 24% |
| Over $132,245 | 25.75% |
Worked example: $60,000 salary
An employee in Quebec earning $60,000 a year with no other income or deductions:
| QPP: 6.3% × ($60,000 − $3,500) | $3,559.50 |
|---|---|
| EI: 1.3% × $60,000 | $780.00 |
| QPIP: 0.430% × $60,000 | $258.00 |
| Federal taxable income: $60,000 − enhanced QPP of $565.00 | $59,435.00 |
| Federal tax after credits and the 16.5% abatement | $4,427.34 |
| Quebec taxable income: also minus the deduction for workers of $1,450.00 | $57,985.00 |
| Quebec tax after credits | $5,646.87 |
| Take-home pay | $45,328.29 |
Federal tax before credits is 14% of the first $58,523 plus 20.5% of the remaining $912.00. After the 14% credits that’s $5,302.20, and the abatement takes 16.5% off. Quebec taxable income of $57,985.00 reaches Quebec’s second bracket (19%), and 14% of the $18,952 basic personal amount comes off. In total, 75.5% of the salary reaches your bank account.
Take-home pay on $60,000 in other provinces
- Alberta: $47,690.66
- British Columbia: $47,754.95
- Manitoba: $45,772.91
- New Brunswick: $46,047.30
- Newfoundland and Labrador: $45,762.47
- Northwest Territories: $47,937.94
- Nova Scotia: $44,726.05
- Nunavut: $48,772.86
- Ontario: $47,340.23
- Prince Edward Island: $45,446.67
- Saskatchewan: $46,519.94
- Yukon: $47,885.39
What this calculator assumes
- All your income is employment income from one employer in Quebec, for the full year.
- You claim only the basic personal amounts on your TD1 and TP-1015.3 forms. Other credits (tuition, disability, dependants, the amount for a person living alone) would lower your tax.
- It doesn’t include pension contributions, union dues, benefits, or other payroll deductions. You can add an RRSP deduction under “RRSP and tax already paid”.
- The refund or amount owing compares the tax you enter with the tax on this income alone. Other income, other credits, or QPP, EI and QPIP overpaid by working for two employers would change it.
- It doesn’t include amounts settled only on your Quebec return, such as the prescription drug insurance premium (for people without group insurance) or refundable credits like the solidarity tax credit and the work premium.
- Pay-period amounts are the annual amount divided evenly.
Frequently asked questions
How much tax do I pay on $60,000 in Quebec in 2026?
On a $60,000 salary you pay about $10,074.21 in income tax ($4,427.34 federal and $5,646.87 Quebec), plus $3,559.50 in QPP, $780.00 in EI and $258.00 in QPIP. That leaves $45,328.29 a year, or about $1,743.40 every two weeks. Each extra dollar you earn is taxed at 36.1%.
What are the Quebec tax brackets for 2026?
Quebec taxes taxable income at 14% up to $54,345, 19% up to $108,680, 24% up to $132,245, and 25.75% above that. Federal tax is charged on top, starting at 14%, but Quebec residents get 16.5% off their basic federal tax. Each rate only applies to the income inside that bracket.
Why is my federal tax lower in Quebec?
Quebec residents get the Quebec abatement: basic federal tax is cut by 16.5%, because Quebec runs some programs that Ottawa funds elsewhere. On $60,000 that brings federal tax from about $5,302.20 to $4,427.34. An Ontario employee on the same salary pays $5,338.29 federal. Quebec’s own tax more than makes up the difference.
What is QPIP, and why is it deducted from my pay?
QPIP is the Quebec Parental Insurance Plan. It pays maternity, paternity, parental and adoption benefits in Quebec instead of EI. In 2026 you pay 0.430% of earnings up to $103,000, so at most $442.90. Because of it, EI costs Quebecers less: 1.3% instead of 1.63%.
What is the Quebec deduction for workers?
It’s a Quebec deduction of 6% of your employment income, up to $1,450 a year. You don’t apply for it: employers take it off before working out Quebec tax, and it comes off again on your Quebec return. You reach the maximum at about $24,167 of income. It doesn’t apply to federal tax.
How is QPP different from CPP?
QPP works like CPP, with the same earnings limits ($3,500 to $74,600, then QPP2 up to $85,000), but the employee rate is higher: 6.3% instead of 5.95%. So the most an employee pays is $4,479.30 plus $416.00 of QPP2, compared with $4,230.45 for CPP.
Will I get a tax refund?
Open “RRSP and tax already paid” and enter the federal tax from box 22 of your T4 and the Quebec tax from box E of your RL-1. Each return settles its own tax, so we show both: box 22 against federal tax, and box E against Quebec tax. An RRSP deduction is a common reason for a refund: on $60,000, a $5,000 RRSP deduction cuts tax from $10,074.21 to $8,557.97, so $1,516.24 comes back across the two returns if your employer didn’t take it into account.
Do I file two tax returns in Quebec?
Yes. Quebec residents file a federal return with the CRA and a Quebec return (TP-1) with Revenu Québec. Your employer deducts both taxes from each paycheque, and each return settles up its own tax: you can get a refund on one and owe on the other.
Rates for tax year 2026, verified to · Page updated