Quebec Income Tax Calculator 2025
Calculate your federal and Quebec provincial income tax for 2025. Includes the Quebec federal tax abatement, QPP contributions and QPIP premiums.
$
= C$6,667 / month
Quebec uses QPP instead of CPP, and QPIP instead of full EI. Federal tax includes the 16.5% Quebec Abatement.
Common incomes:
C$0
Annual Take-Home
C$0
Federal Tax (with abatement)
C$0
Quebec Provincial Tax
0%
Effective Rate
Quebec Provincial Tax Brackets
| QC Band | Income in Band | Rate | Tax |
|---|
Complete Tax Summary
How to Use This Quebec Income Tax Calculator
Enter your annual gross income. The calculator applies 2025 federal brackets with the 16.5% Quebec Abatement, Quebec provincial brackets, QPP contributions (6.4%, higher than CPP's 5.95%), and Quebec EI/QPIP premiums.
Quebec residents file two separate tax returns each year: one to the CRA (federal) and one to Revenu Quรฉbec (provincial). This calculator estimates both.
The Formula
Federal Tax = progressive federal rates โ BPA credit ($16,129 ร 15%)
Quebec Abatement = Federal Tax ร 16.5% (reduces federal tax for QC residents)
Net Federal Tax = Federal Tax ร (1 โ 16.5%) = ร 83.5%
Quebec Tax = progressive QC rates (14%โ25.75%) โ QC BPA credit ($17,183 ร 14%)
QPP = 6.4% on earnings $3,500โ$71,300
EI (QC rate) = 1.31% on earnings up to $65,700 (+ QPIP 0.494%)
Quebec Abatement = Federal Tax ร 16.5% (reduces federal tax for QC residents)
Net Federal Tax = Federal Tax ร (1 โ 16.5%) = ร 83.5%
Quebec Tax = progressive QC rates (14%โ25.75%) โ QC BPA credit ($17,183 ร 14%)
QPP = 6.4% on earnings $3,500โ$71,300
EI (QC rate) = 1.31% on earnings up to $65,700 (+ QPIP 0.494%)
Example
Marie in Montreal, $80,000 income in 2025:
Federal tax (before abatement): ~$10,825
Quebec Abatement (16.5%): โ$1,786
Net federal tax: $9,039
Quebec tax: ($51,780 ร 14%) + ($28,220 ร 19%) โ QC BPA credit = $7,249 + $5,362 โ $2,406 = $10,205
QPP: ($71,300 โ $3,500) ร 6.4% = $4,339
EI (QC): $65,700 ร 1.31% + QPIP = $861 + $325 = $1,186
Total deductions: ~$24,429 | Take-home: ~$55,571/year ($4,631/month)
Federal tax (before abatement): ~$10,825
Quebec Abatement (16.5%): โ$1,786
Net federal tax: $9,039
Quebec tax: ($51,780 ร 14%) + ($28,220 ร 19%) โ QC BPA credit = $7,249 + $5,362 โ $2,406 = $10,205
QPP: ($71,300 โ $3,500) ร 6.4% = $4,339
EI (QC): $65,700 ร 1.31% + QPIP = $861 + $325 = $1,186
Total deductions: ~$24,429 | Take-home: ~$55,571/year ($4,631/month)
Extended
Quebec Tax Analysis
Federal abatement breakdown, QPP vs CPP comparison and Quebec vs other provinces
How the Quebec Abatement reduces your federal tax, and QPP/QPIP vs CPP/EI differences.
Quebec vs other major provinces at your income.
| Province | Fed+Prov Tax | Pension+EI | Total Deductions | Take-Home |
|---|
Frequently Asked Questions
What are Quebec's income tax brackets for 2025?
Quebec provincial tax brackets for 2025: 14% on the first $51,780, 19% on $51,780โ$103,545, 24% on $103,545โ$126,000, and 25.75% on income above $126,000. Quebec's Basic Personal Amount is $17,183. Quebec has the highest provincial income tax rates in Canada but provides extensive public services including heavily subsidised childcare and universities.
Why do Quebec residents pay lower federal tax?
Quebec collects its own provincial income tax separately through Revenu Quรฉbec (not the CRA). Because Quebec manages its own parallel tax system, the federal government gives Quebec residents an Abatement of 16.5% off their federal tax bill. This avoids double taxation and compensates for the separate provincial collection. Quebec residents file two separate tax returns: federal and provincial.
What is the Quebec Pension Plan (QPP)?
Quebec has its own pension plan called the Quebec Pension Plan (QPP) instead of CPP. QPP rates for 2025: 6.4% (employee) on earnings between $3,500 and $71,300, plus QPP2 at 4% on earnings between $71,300 and $81,900. The QPP employee rate is higher than CPP (5.95%) but the maximum pensionable earnings are the same. Like CPP, QPP is matched by the employer.
What is Quebec's Employment Insurance system?
Quebec residents pay a reduced EI premium because Quebec runs its own maternity/parental leave program (QPIP โ Quebec Parental Insurance Plan). Quebec EI rate for 2025 is approximately 1.31% (vs 1.66% federally), with separate QPIP contributions of about 0.494% for employees. The combined premiums are similar to EI in other provinces.
What unique deductions are available in Quebec?
Quebec has several unique tax measures: the Quebec Work Premium (a refundable credit for low-income workers), deduction for workers ($1,290 in 2025), deduction for retirement income, solidarity tax credit, and subsidised childcare (from $10.35/day in 2025). Quebec also allows a deduction for union dues, professional fees and certain work-related expenses not available federally.