Quebec calculators
Tools grouped by topic (taxes, housing, family, auto and energy). 2026 schedules where they apply.
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GST, QST, pay, RRSPs, and public plans: estimators for individuals in Quebec.
GST and QST calculator
Add or remove GST (5%) and QST (9.975%), with reverse calculation.
Tip calculator
Tip on the pre-tax amount, tax-included or pre-tax bill, split between diners.
Marginal tax rate
Federal (after abatement) and Quebec marginal and average rates from 2026 taxable income.
Capital gains tax
50% inclusion, LCGE, and federal/Quebec tax on a gain (Quebec resident).
Take-home pay
Estimate pay after Quebec tax and contributions.
RRSP, TFSA, and FHSA
2026 marginal refund and an RRSP, TFSA, and FHSA comparison.
QPP pension
Estimate the Quebec Pension Plan retirement benefit.
Rent, the welcome tax, and mortgages: figures for housing in Quebec.
Notary and closing costs
Fees, disbursements, title insurance, land registry, and link to welcome tax.
Borrowing capacity
Maximum price from 39%/44% GDS/TDS and qualifying rate (contract + 2% or 5.25%).
Prepayment penalty
Three months’ interest or interest rate differential (IRD) to break a fixed rate.
CMHC insurance premium
CMHC premium by loan-to-value, 25- or 30-year amortization, and Quebec tax on the premium.
Mortgage
Payment, interest, and amortization for a mortgage.
Welcome tax
Property transfer tax by municipal bracket.
2026 rent increase
TAL 2026 method: quick or detailed mode (taxes, insurance, work, services).
Quebec family allowance, the Canada child benefit, and QPIP parental benefits.
SAAQ registration and a Hydro-Québec bill estimate.
CalcQC is an independent website. We are not affiliated with the Tribunal administratif du logement, the SAAQ, Retraite Québec, the QPIP (Conseil de gestion de l’assurance parentale), the Canada Revenue Agency, Revenu Québec, Hydro-Québec, or any other government body. Results are for information only.