Quebec RRSP Calculator Canada 2026
See how much tax you save with RRSP contributions in Quebec. Federal and Quebec provincial tax.
Tax savings from RRSP contribution
$2,052
Effective cost of contribution: $2,948 (you put in $5,000, save $2,052 in tax)
Tax without RRSP
$24,191
Tax with RRSP
$22,139
Take-home without RRSP
$50,809
Take-home with RRSP
$47,861
Approximate marginal rate on contribution: 41.0%
How RRSP tax savings work in Quebec
RRSP contributions are deductible from your taxable income, so you save tax at your combined federal and Quebec provincial marginal rate. The higher your income and the higher Quebec's tax rates, the more you save per dollar contributed. Use the calculator above to enter your salary, planned RRSP contribution, and filing status—you’ll see tax with and without RRSP and your exact tax savings in Quebec.
Why RRSP savings vary by province
Federal tax is the same across Canada; provincial tax rates differ. Quebec has a top provincial rate of 25.75%. The same RRSP contribution saves more in higher-tax provinces (e.g. Quebec, Nova Scotia) and less in lower-tax provinces (e.g. Alberta, Nunavut). This calculator uses current federal and Quebec provincial brackets. For TFSA contribution room, use our TFSA Calculator Canada. For salary needed for a target take-home in Quebec, use our Net to Gross Canada Quebec.
When to use an RRSP calculator in Quebec
Use this Quebec RRSP calculator when you want to know how much tax you’ll save from a planned contribution, or how your take-home changes if you contribute a certain amount. Useful before a lump-sum contribution (e.g. before the deadline), when deciding how much to contribute from each paycheck, or when comparing job offers with different RRSP matching. Your RRSP deduction limit is set by the CRA (check your Notice of Assessment). For full take-home including CPP and EI by province, use our Canada Tax Calculator and select Quebec.