Quebec Income Tax Calculator
Easily estimate take home pay after income tax so you can have an idea of what to possibly expect when planning your budget
Results
Income Before Tax
Take Home Pay
Total Tax
Average Tax Rate
$ = Canadian Dollar
Income Before Tax
Federal Income Tax
Federal Non-Refundable Tax Credits
Quebec Federal Tax Abatement
Provincial Income Tax
Provincial Non-Refundable Tax Credits
Provincial Surtax
Provincial Non-Refundable "Tax Reduction"
Canada Pension Plan (CPP)
Employment Insurance (EI)
Quebec Pension Plan (QPP)
Quebec Parental Insurance Plan (QPIP)
Quebec Health Services Fund
Ontario Health Premium
Total Tax
Take Home Pay
Total Deductions
Average Tax Rate
Table of Contents
Summary
Enter your employment income into the income tax calculator above to estimate how taxes in Quebec, Canada may affect your finances. You'll then get your estimated take home pay, an estimated breakdown of your potential tax liability, and a quick summary down here so you can have a better idea of what to possibly expect when planning your budget.
To learn more about Quebec, its income tax, and tax brackets, so that you can get a deeper understanding of how your budget and finances may be affected, scroll down to the detail section below!
Frequently Asked Questions
What is the income tax rate in Quebec?
The provincial income tax rate in Quebec is progressive and ranges from 14% to 25.75% while federal income tax rates range from 15% to 33% depending on your income. This income tax calculator can help estimate your average income tax rate and your take home pay.
How many income tax brackets are there in Quebec?
The provincial income tax system in Quebec has four different tax brackets. For more details, check out our detail section.
How to Calculate Quebec Net Income
Within the charming embrace of Canada's Francophone heart lies the province of Quebec, a captivating tapestry of rich history, breathtaking landscapes, and a distinct cultural flair that captivates all who venture in. From the cobblestone streets of Quebec City, where whispers of colonial grandeur dance in the air, to the cosmopolitan energy of Montreal igniting your senses, Quebec enchants visitors with its unique blend of old-world charm and vibrant modernity.
Beyond the natural beauty, like that of the mesmerizing wilderness of Mont-Tremblant, where nature's symphony orchestrates serenity itself, lies a thriving economy fueled by innovation and determination. As a local or newcomer to Quebec, understanding your income tax obligations is essential to navigating this dynamic region.
Your net income is what remains after items like income related taxes are subtracted from your gross pay so by understanding income taxes, you can better understand your net income.
The framework of Quebec's provincial income tax system consists of a progressive approach that seeks to balance the financial burdens placed on individuals based on their income levels. Under this system, your income is divided into several distinct brackets, each subject to different tax rates that reflect the principle of equity. By employing progressive tax rates that range from 14% to 25.75%, Quebec ensures that individuals with higher incomes contribute proportionately more to the province.
To help you better understand this structured system, our table below illustrates the different income ranges and corresponding tax rates.
Quebec Income Tax Brackets
For 2023 tax year
| Taxable Income (CAD) | Tax Rate |
|---|---|
| First 49,275 | 14% |
| From 49,275 to 98,540 | 19% |
| From 98,540 to 119,910 | 24% |
| From 119,910 onwards | 25.75% |
In Quebec, tax relief measures differ slightly from what is commonly practiced in other jurisdictions. Rather than focusing on tax deductions lowering taxable income, the tax system in Canada, including Quebec, emphasizes the concept of tax credits. Tax credits are designed to provide relief by reducing the amount of tax owed based on specific circumstances or expenses incurred.
Do note, however, that most tax credits in Quebec are non-refundable. This means that if the total amount of tax credits exceeds your income tax liability, you will not receive a refund for the difference. Instead, your income tax would simply be reduced to zero.
Tax credit reliefs in Quebec are typically expressed as "amount" figures, but they are not directly subtracted from your income tax. Instead, these amounts are first multiplied against the rate applied to the lowest tax bracket before being factored into the overall calculation. This unique approach resembles traditional deductions in some ways, but comes with a distinctive twist that aligns with the province's tax structure.
An important tax credit to consider is the non-refundable basic personal amount. For the tax year 2023, this amount stands at $17,183 in Quebec. It acts as a vital relief measure that helps reduce the overall tax burden especially for lower-income earners, allowing them to retain a larger portion of their hard-earned income.
As an integral part of the Canadian federation, your fiscal responsibilities extend beyond the boundaries of Quebec, encompassing the realm of the federal government. To ensure the equitable distribution of resources and uphold the collective welfare, the federal income tax system comes into play. Mirroring the structure of the provincial income tax in Quebec, the federal income tax carries its own set of rules and tax brackets. More information can be found in a section dedicated to this below.
Due to an agreement between Quebec and the federal government, residents of Quebec are eligible for an abatement of the tax they owe the Canada Revenue Agency. In other words, this abatement is another tax credit that helps to lower your federal income tax. Technically, this abatement comes from the combined sum of the Alternative Payments for Standing Programs and the Youth Allowances Recovery.
Social Security in Quebec
Quebec is unique out of all the provinces of Canada in terms of social security as it possesses and runs its own set of programs that replaces the ones on the federal level.
First off, the Canada Pension Plan (CPP) is replaced with the Quebec Pension Plan (QPP) which is a compulsory public insurance plan for workers age 18 and over whose annual employment income is greater than $3,500. The Quebec Pension Plan serves to provide to those who work in Québec (or have worked in Québec) and their families with basic financial protection in the event of retirement, death, or disability. Contributions rates to the QPP are 6.4% on income over $3,500 while also incorporating a maximum cap on the applicable income.
The Quebec Parental Insurance Plan (QPIP) replaces and enhances the measures provided to new parents under the Employment Insurance (EI) program administered by Employment and Social Development Canada (ESDC). As a result, residents of Quebec contribute to QPIP while also having slightly different contribution rates to employment insurance (EI). QPIP contribution rates are 0.494% while employment insurance rates are 1.27%. Just like with all other social security contributions, maximum caps exist on the applicable income.
The Quebec Pension Plan (QPP), Employment Insurance (EI), and Quebec Parental Insurance Plan (QPIP) all have corresponding tax credits available on the federal level that help offset the burden of the social security contributions up to certain limits. Note that these tax credits do not seem to exist on the provincial level despite these being provincial programs unique to Quebec.
Lastly, Quebec also has a health services fund (QHSF), which all residents with an income over a certain threshold, are required to contribute into. Rates hover around 1% with maximum caps on the required contributions.
More From Investomatica:
For sales tax, please visit our Quebec Sales Tax Rates and Calculator page.
Calculate Your Income Tax in Other Provinces and Territories
Calculate Your Income Tax in Other Parts of North America
Disclaimer
- The content shown on this page is strictly for educational purposes only. It does not represent advice nor is it a substitute for a professional advisor.
- Estimated results are just estimates. They are not a guarantee of future results.
- Tax situations vary widely and calculations can get very complex. This income tax calculator only provides a rough estimate according to the most common scenarios for standard employment income that comes from an employer. If you are self-employed, your taxes might differ.
- There may be additional deductions, credits, exemptions, allowances, reliefs, etc depending on many factors. Some factors are about your family such as the number of dependents, children, relatives, parents, etc. Other factors may include mortgage payments, property depreciation, charitible donations, additional voluntary retirement contributions, etc. Whether or not you are handicapped and/or disabled may also sometimes be an additional factor.
- Depending on region and jurisdiction, salary bonuses may be treated and taxed differently from standard salary.
- Calculators from other sites may show slightly different numbers due to different deductions/credits being included or they are based on data from a different year.
- Generally, we review changes once a year since tax codes usually change once a year. If you notice a major miscalculation or error with our income tax calculator (most likely caused by a typo somewhere), feel free to direct message us on twitter and let us know. However, if you have specific questions about your own personal situation, please consult a licensed tax professional.
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