Payroll · Quebec
Quebec take-home pay.
What lands in your account after Quebec and federal tax, QPP, QPIP and EI — using CRA’s own payroll formulas.
A Quebec paycheque calculator for 2026. Quebec employees pay QPP instead of CPP, a QPIP premium nobody else pays, and a reduced EI rate of 1.30% because QPIP covers parental benefits.
Federal tax, QPP, QPIP and EI follow CRA’s T4127 formulas. Quebec provincial withholding is estimated from Revenu Québec’s brackets, because CRA does not publish a Quebec formula — Revenu Québec publishes its own.
Inputs
Your Quebec paycheque
Fill the form and press Calculate.
A Quebec pay stub has different lines on it
Quebec runs its own pension plan and its own parental insurance plan, so three of the four statutory deductions differ from the rest of Canada.
- QPP, not CPP — 6.30% of pensionable earnings between $3,500 and $74,600, a maximum employee contribution of $4,479.30. That is 0.35 percentage points more than CPP’s 5.95%, and about $249 a year more out of a maximum-earner’s pocket. QPP2 mirrors CPP2 at 4% between $74,600 and $85,000, capped at $416.00.
- QPIP — the Québec Parental Insurance Plan, an employee premium of 0.43% on insurable earnings up to $103,000, a maximum of $442.90. No employee outside Quebec pays this.
- EI at a reduced rate — because QPIP provides the parental benefits that EI provides elsewhere, Quebec’s employee EI rate is 1.30% rather than 1.63%, on the same $68,900 of maximum insurable earnings. Maximum premium $895.70.
- Two income taxes — federal tax withheld by your employer under CRA rules and reduced by the 16.5% Quebec abatement, and Quebec tax withheld under Revenu Québec’s own source-deduction rules.
Net of it all, a Quebec employee pays more into QPP and QPIP than a comparable Ontarian pays into CPP and EI, but less federal tax. That is the trade the abatement encodes.
Why CRA’s payroll formulas stop at the border
CRA’s T4127 publishes a provincial withholding formula for every jurisdiction except Quebec, where it sets provincial tax to zero because Revenu Québec publishes its own source-deduction guide. A payroll system operating in Quebec has to run both.
This page follows T4127 for federal tax, QPP, QPIP and EI, and estimates Quebec provincial withholding from Revenu Québec’s published annual brackets and basic personal amount. That estimate is close, but it is not the line-for-line output of Revenu Québec’s own formula, and the calculator says so in its result panel.
How this is calculated
Federal tax, QPP, QPIP and EI follow CRA’s T4127 Payroll Deductions Formulas on TD1 claim code 1 — basic personal amount only. Quebec provincial tax is estimated from Revenu Québec’s 2026 brackets and $18,952 basic personal amount.
Not modelled: Quebec’s own tax credits beyond the basic amount, the health services fund, employer-side contributions, and anything your employer deducts by agreement.
Sources
Every rate, threshold and ceiling on this page is taken from the official publication linked below. Last verified 2 September 2026.
- CRA T4127 — Payroll Deductions Formulas — the governing source for every withholding figure on this page. Two 2026 editions exist: the 122nd, effective 1 January 2026, and the 123rd, effective 1 July 2026 and currently in force. This page uses full-year annual rates, not the prorated mid-year catch-up rates the 123rd edition publishes for July–December withholding.
- Revenu Québec — QPP maximum pensionable earnings and contribution rate — 6.30% to $74,600, QPP2 at 4% to $85,000
- Revenu Québec — QPIP maximum insurable earnings and premium rate — 0.43% to $103,000
- CRA — EI premium rates and maximum insurable earnings — 1.63% to $68,900 outside Quebec, 1.30% in Quebec
- Revenu Québec — Income tax rates
Frequently asked questions
Why is EI cheaper in Quebec?
Because Quebec runs its own parental insurance plan. QPIP pays the maternity, paternity, parental and adoption benefits that EI pays in the rest of Canada, so Quebec employees pay a reduced EI premium of 1.30% instead of 1.63%.
The saving is not a saving: QPIP charges its own 0.43% premium on top, on a higher maximum insurable earnings of $103,000.
How much is QPP in 2026 and how does it differ from CPP?
QPP is 6.30% of pensionable earnings between the $3,500 exemption and the $74,600 ceiling, a maximum employee contribution of $4,479.30. CPP over the same range is 5.95%, capped at $4,230.45.
A Quebec employee at or above the ceiling therefore pays about $249 a year more than an employee in any other province. The second ceiling contribution, QPP2, matches CPP2 at 4% between $74,600 and $85,000.
What is QPIP and do I have to pay it?
The Québec Parental Insurance Plan is a Quebec-only payroll deduction that funds parental benefits. Employees pay 0.43% of insurable earnings up to $103,000, a maximum of $442.90 a year.
It is mandatory for employees working in Quebec, regardless of whether they ever claim a parental benefit.
Does my employer withhold both federal and Quebec tax?
Yes. Your employer withholds federal tax under CRA rules, with the 16.5% Quebec abatement applied, and Quebec tax under Revenu Québec’s separate source-deduction rules.
This is why Quebec pay stubs show two income tax lines where a stub in any other province shows one combined figure.
Disclaimer
Estimate only — not tax or payroll advice. Follows CRA’s T4127 Payroll Deductions Formulas for a full year at a constant salary on TD1 claim code 1. Quebec provincial withholding is estimated from Revenu Québec’s published annual brackets rather than its own source-deduction formula. Your real cheque depends on your TD1 claims, pension and union deductions, taxable benefits and mid-year changes. Confirm anything that matters with the CRA, Revenu Québec or a payroll professional.