Quebec Tax Refund Calculator 2026
Estimate your CRA tax refund or amount owing in Quebec. Enter employment income, RRSP, federal + provincial withholdings — instant federal and provincial estimate.
By Sammy S. · Founder · AuthorUpdated for 2026
Estimate your 2026 tax refund
Enter your income and withholdings. Quebec is pre-selected. Results update instantly as you type.
C$15,322
Add federal + provincial tax withheld (from T4) to see your refund or amount owing.
Estimate only. Includes federal + provincial income tax, CPP, EI. Does not include all credits. File with CRA-certified software for your official return.
Quebec notable credit: Solidarity Tax Credit. Quebec files a separate provincial return with Revenu Québec (TP-1). The Solidarity Tax Credit (refundable, quarterly), the Quebec Abatement (16.5% reduction of federal basic tax for Quebec residents), the Family Allowance, and the Work Premium credit are major Quebec-specific benefits.
What Affects Your Quebec Tax Refund?
Key factors that determine whether you get a refund or owe money when filing your Quebec return.
RRSP contributions
Reduce taxable income at your marginal rate (federal + provincial). Deadline March 2, 2026 for 2025 contributions.
Basic Personal Amount
Federal BPA $16,452 + Quebec BPA $18,952 = combined non-refundable credit at your lowest bracket rate.
CPP/EI credits
CPP and EI contributions generate non-refundable tax credits (at the 14% federal + provincial rate), reducing your net tax liability.
Quebec provincial credits
Solidarity Tax Credit. Quebec files a separate provincial return with Revenu Québec (TP-1).
Childcare & medical expenses
Childcare deductions and the medical expense tax credit can boost your refund if expenses exceed the 3% income threshold.
FHSA contributions
First Home Savings Account contributions (up to $8,000/year, $40,000 lifetime) are fully deductible and reduce taxable income.
Tips to Maximize Your Quebec Tax Refund
Practical ways to reduce your Quebec + federal tax liability for 2026.
Contribute to RRSP
Reduce Quebec + federal taxable income. Deadline March 2, 2026 for 2025 contributions.
RRSP Calculator →Open an FHSA
First-time buyers: up to $8,000/year deductible, tax-free growth and withdrawals for a qualifying home purchase.
FHSA Calculator →Claim all credits
Quebec-specific credits (Solidarity Tax Credit), medical expenses, childcare, and donation credits can all increase your refund.
File early via NETFILE
Filing before April 30 speeds up your refund. NETFILE + direct deposit delivers refunds in ~2 weeks.
When Will I Get My Canada Tax Refund?
NETFILE + direct deposit: ~2 weeks — the fastest option.
With direct deposit: ~2 weeks. By cheque: ~3 weeks. Paper return: 6–8 weeks. Non-residents: up to 16 weeks.
Quebec residents receive a combined federal and provincial refund when filing one federal return — except Quebec residents, who file a separate return with Revenu Québec.
Track your refund status in CRA My Account at canada.ca.
The refund or amount owing shown above comes from your employment income, province, filing status, optional RRSP deduction, and T4 withholding—not a third-party feed. We run the same Canada income tax engine as our paycheck calculator—federal and provincial brackets plus non-refundable credits for the Basic Personal Amount, CPP/QPP, EI and the Canada employment amount, following CRA's payroll formulas—then compare estimated tax liability to federal plus provincial amounts withheld. Below are the formulas, the order we follow, and worked examples you can check by hand.
Formulas
| Line | Formula |
|---|---|
| Taxable income | Employment income − RRSP contributions − enhanced CPP/QPP and CPP2/QPP2 contributions |
| Federal tax | Federal bracket tax − 14% × (Basic Personal Amount + base CPP/QPP + EI + Canada employment amount) |
| Provincial tax | Provincial bracket tax − lowest provincial rate × (provincial BPA + base CPP + EI), plus Ontario surtax and BC/Ontario tax reductions |
| Estimated tax owed | Federal tax + provincial tax (+ Ontario Health Premium in Ontario) |
| Total withheld | Federal tax withheld + provincial tax withheld (from T4) |
| Refund or amount owing | Total withheld − estimated tax owed (positive = refund) |
Order of operations
Compute taxable income
Salary − RRSP deduction − enhanced CPP/QPP and CPP2/QPP2
Employment income is reduced by any RRSP contributions you enter and by the deductible part of your pension contributions (the enhanced 1% slice of CPP/QPP and all CPP2/QPP2). We use the same federal and provincial brackets as our Canada paycheck calculator.
Calculate income tax liability
Federal + provincial tax on taxable income, after non-refundable credits
Our Canada income tax engine applies the Basic Personal Amount (federal amount phases down above $181,440), credits for base CPP/QPP contributions and EI premiums at the lowest federal and provincial rates, and the Canada employment amount. Province-specific items—Ontario surtax, Ontario Health Premium, the Ontario and BC tax reductions, Alberta's supplemental credit and Quebec's federal abatement—are included.
Compare to T4 withholding
Refund/owing = (federal withheld + provincial withheld) − tax owed
Enter the federal and provincial income tax amounts from your T4 slips (boxes 22 and related provincial boxes). If withholding exceeds liability, you get a refund; if it falls short, you owe the difference.
Worked example
$75,000 income · Single · Quebec · 2026
Taxable income: $75,000 − enhanced CPP/CPP2 = $74,273
Federal tax $6,856 + provincial tax $8,466 (after credits)
Estimated tax owed $15,322
Refund: $16,500 withheld − $15,322 owed = $1,178
| Line item | Amount |
|---|---|
| Employment income | $75,000 |
| Taxable income | $74,273 |
| Province | Quebec |
| Federal tax (after credits) | $6,856 |
| Provincial tax (after credits) | $8,466 |
| Estimated tax owed | $15,322 |
| Federal withheld | $12,000 |
| Provincial withheld | $4,500 |
| Total withheld | $16,500 |
| Estimated refund | $1,178 |
Same T4 withholding, different provinces: $75,000 with $16,500 withheld → $3,795 refund in Ontario vs $4,231 in Alberta.
RRSP: RRSP deduction: $5,000 contribution increases refund → refund $5,428 (was $1,178 without RRSP).
Under-withheld: Under-withheld: $10,000 total withholding vs ~$13,000 owed → owing $2,705.
No withholding: No withholding entered — shows estimated tax liability only → liability $12,705.
Constants we use
| Parameter | What we use |
|---|---|
| 2026 federal lowest bracket | 14.0% |
| Federal CPP/EI credit rate | 14.0% |
| Calculator default income | $75,000 |
| Tax year | 2026 |
| CPP and EI in refund math | Credits only |
| Refundable credits (CWB, GST/HST) | Not modeled |
What we do not model on this page
We estimate federal and provincial income tax liability and compare it to withholding—we do not model refundable credits (Canada Workers Benefit, GST/HST credit, climate action payments, provincial benefits), tuition or medical credits, charitable donations, employment expenses, union dues, disability credits, dividend gross-up, capital gains, self-employment income, multiple employers, Quebec abatement filing separately, instalment payments, or prior-year balances. CPP and EI premiums are not part of tax owed here (they are withheld separately), though they generate non-refundable credits and the enhanced CPP/QPP deduction. File with CRA-certified software for your official return.
Frequently Asked Questions
Federal and provincial tax filing.
Track refund and view tax information.
2026 federal and provincial brackets.
Provincial brackets and BPA amounts.
Quebec residents file a separate provincial return.
Disclaimer: This calculator is for planning purposes only. Tax rates, credits, and thresholds change annually. Consult the CRA, Revenu Québec, or a qualified tax professional for your specific situation. File with CRA-certified software for your official return. We do not provide tax advice.