How it works
A Quebec pay stub has more lines than one elsewhere in Canada, because Quebec runs its own income tax, pension plan and parental insurance plan. The calculator takes your gross pay for one period, subtracts RRSP contributions made through payroll, projects that amount over the year, works out annual federal tax with the CRA T4127 formulas (2026 edition) and annual Quebec tax with the Revenu Québec TP-1015.F-V formulas (2026), and divides each back into one pay.
Federal tax and the Quebec abatement. Federal tax is worked out with the same brackets as elsewhere, from 14% on the first $58,523 of taxable income up to 33% above $258,482, using your federal TD1 claim amount (CRA T4127, 2026). Quebec residents then receive a federal abatement of 16.5% of basic federal tax, which lowers the federal line (CRA T4127, 2026).
Quebec tax. Quebec income tax is set and administered by Revenu Québec, not the CRA. Your employer withholds it using the formulas in TP-1015.F-V (2026), with brackets from 14% on the first $54,345 of taxable income up to 25.75% above $132,245, and the claim amount from your TP-1015.3-V, which defaults to the Quebec basic personal amount of $18,952. Employers send Quebec tax to Revenu Québec, and Quebec residents file a separate Quebec income tax return with Revenu Québec in addition to the federal return.
QPP. Quebec workers contribute to the Quebec Pension Plan, administered by Retraite Québec, instead of the Canada Pension Plan. Employees pay 6.3% on earnings between the basic exemption of $3,500 and the maximum pensionable earnings of $74,600, and a second additional contribution, QPP2, of 4% on earnings between $74,600 and $85,000 (Retraite Québec, 2026).
QPIP. The Québec Parental Insurance Plan pays maternity, paternity and parental benefits in Quebec. Employees pay premiums of 0.43% of insurable earnings up to $103,000 for the year (Revenu Québec, 2026).
EI at the Quebec rate. Because QPIP pays parental benefits in Quebec, Employment Insurance premiums are charged at a reduced rate of 1.3%, rather than 1.63%, on insurable earnings up to $68,900 (Employment and Social Development Canada / CRA, 2026).
Two views. The pay stub view shows one regular pay period. The annual tax view shows the full year at the same pay, with QPP, QPIP and EI counted up to their yearly maximums. On a real pay stub, these stop once the year's maximum is reached, so late-year pays can be higher than earlier ones.
Not included: employer contributions (QPP, QPIP and EI matching, and employer-paid Quebec payroll contributions that are not taken from your pay), taxable benefits, bonuses, commissions, vacation pay paid out separately, credits claimed only on your returns, and any refund or balance owing when you file. Your employer's payroll may round differently.
Worked example
Take a $70,000 salary paid biweekly in Quebec, with the default TD1 and TP-1015.3-V claim amounts and no RRSP or union dues. Gross pay is $70,000 divided by 26 pays, which is $2,692.31. Federal tax after the Quebec abatement is $232.36, and Quebec tax is $289.53. QPP is $161.14 and QPP2 is $0.00, since QPP2 applies only to earnings above $74,600. QPIP is $11.58 and EI at the Quebec rate is $35.00. Net pay is $1,962.70 per pay, or $51,044.36 over the year's 26 pays (CRA T4127, 2026; Revenu Québec TP-1015.F-V, 2026).
Frequently asked questions
How much tax do I pay on $80,000 in Quebec?
It depends on your claim amounts and deductions. Enter 80,000 in the calculator to see federal tax after the Quebec abatement, Quebec tax, QPP, QPIP and EI for 2026 (CRA T4127, 2026; Revenu Québec TP-1015.F-V, 2026).
What is the Quebec abatement?
It is a reduction of 16.5% of basic federal tax for Quebec residents (CRA T4127, 2026). It appears as a lower federal tax line on a Quebec pay stub.
Why is EI lower in Quebec?
Quebec's own QPIP plan pays parental benefits that EI pays elsewhere, so EI premiums in Quebec are 1.3% instead of 1.63% (Employment and Social Development Canada / CRA, 2026). QPIP premiums of 0.43% are taken off separately.
What is the difference between QPP and CPP?
Both are public pension plans funded from pay. Quebec workers pay QPP to Retraite Québec at 6.3%, and workers elsewhere pay CPP at 5.95% (Retraite Québec; CRA, 2026). Each plan also has a second additional contribution on earnings above its first ceiling.
What is form TP-1015.3-V?
It is Revenu Québec's Source Deductions Return, the form a Quebec employee gives an employer to set the Quebec tax credits used at source. It does the job a provincial TD1 does elsewhere; the federal TD1 is still used for federal tax.
Why is my Quebec pay stub different from this estimate?
Common reasons are benefits, a workplace pension plan, claim amounts other than the basic ones, or QPP, QPIP and EI stopping after the yearly maximum. Enter your TD1 and TP-1015.3-V totals, and open "More deductions" for RRSP or union dues, to match your pay stub more closely.