Free tool · Canada
Quebec Income Tax Calculator
Your combined federal + province/territory income tax for Quebec. See your total tax owed, combined effective and marginal rate, and a bracket-by-bracket breakdown for both — instantly, no signup.
Frequently asked questions
- What tax year does this use?
- 2025 federal brackets and the federal Basic Personal Amount, from the Canada Revenue Agency (CRA).
- Why is the lowest bracket 14.5% instead of 15%?
- The federal government cut the lowest rate from 15% to 14%, effective July 1, 2025. Because the 2025 tax year return covers both halves of the year, CRA blends the two rates into 14.5% for a full-year 2025 estimate. From 2026 onward the rate is a flat 14%.
- How does the Basic Personal Amount actually reduce my tax?
- Unlike a US-style deduction, the federal Basic Personal Amount isn't subtracted from your income before tax is calculated. It's applied as a non-refundable credit — worth the BPA amount multiplied by the lowest federal rate — that's subtracted directly from the tax you'd otherwise owe. The BPA itself is income-tested: it's largest for income up to $177,882 and phases down to a minimum above $253,414.
- Does this include provincial tax, CPP, or EI?
- Provincial and territorial tax is calculated separately — pick your province or territory to see it added to your federal estimate. CPP/QPP and EI/QPIP contributions themselves aren't modeled as payroll deductions from your paycheque, but the non-refundable tax credit you get for having paid them is included automatically, split correctly between the federal and provincial return the way the CRA actually splits it.
- What else can I add besides employment income?
- Expand "RRSP, dividends & more" to add an RRSP contribution deduction, capital gains (50% taxable in 2025), eligible and non-eligible dividend income (each grossed up and credited using the CRA's dividend tax credit rules, federally and provincially), and other fully-taxable income like interest.
- What does "federal-only" mean?
- This calculator estimates national/federal income tax only. It doesn't include US state tax, Canadian provincial or territorial tax, or UK National Insurance — each of those has its own separate rates and rules. Pick your country below to see the full estimate for that system.
- What's the difference between marginal and effective tax rate?
- Your marginal rate is the rate applied to your next dollar of income — the top bracket you reach. Your effective rate is your total tax owed divided by your total income — the average rate you actually pay across every bracket. Effective rate is almost always lower than marginal rate.
- Is this tax advice?
- No. This tool produces an estimate for planning purposes only, based on published tax-year brackets. It doesn't account for credits, itemized deductions, self-employment tax, or your specific circumstances. Talk to a licensed tax professional before making financial decisions.
Estimates only, not tax advice. Covers federal/national income tax for the tax year shown, plus state, provincial, or territorial tax for the jurisdiction selected, itemized deductions, tax credits beyond what's noted above, or self-employment tax. Canada estimates don't include the CPP, QPP, or EI/QPIP premium payments themselves (only the income-tax credit for having paid them), the Lifetime Capital Gains Exemption, or special rules for qualifying small-business shares. National Insurance/payroll tax remains out of scope everywhere. Consult a licensed tax professional for guidance specific to your situation.