Quebec FHSA & RRSP Tax Refund Calculator 2026
In Quebec, an $8,000 contribution gives a refund of about $2,889.40 on $70,000 of income and about $2,889.40 on $100,000 (estimate).
Estimated result Estimate
- Refund rate
- 36.12%
- Net cost after refund
- $5,110.60
- Combined marginal rate
- 36.12%
- Deduction used
- $8,000.00
- Tax before contribution
- $20,229.77
- Tax after contribution
- $17,340.37
- Federal tax before contribution
- $9,450.30
- Provincial or territorial tax before contribution
- $10,779.47
- Contribution above income (no tax effect)
- $0.00
Limit checks
Estimate for information only, not tax or investment advice. Based on 2026 tax rates. Excludes the Ontario Health Premium, CPP/EI and other credits.
Federal brackets · Source: www.canada.ca · As of: Oct 2026 Estimate
Provincial or territorial brackets · Source: www.revenuquebec.ca · As of: Oct 2026 Estimate
Basic personal amount · Source: www.revenuquebec.ca · As of: Oct 2026 Estimate
Tax rates by income
| Taxable income | Marginal rate | Average rate |
|---|---|---|
| $30,000 | 25.69% | 10.43% |
| $50,000 | 25.69% | 16.54% |
| $70,000 | 36.12% | 21.16% |
| $85,000 | 36.12% | 23.80% |
| $100,000 | 36.12% | 25.65% |
| $120,000 | 45.71% | 27.98% |
| $150,000 | 47.46% | 31.73% |
| $200,000 | 50.21% | 35.92% |
| $250,000 | 50.21% | 38.78% |
Tax brackets
| Income bracket | Rate |
|---|---|
| Up to $54,345 | 14.00% |
| $54,345 to $108,680 | 19.00% |
| $108,680 to $132,245 | 24.00% |
| Over $132,245 | 25.75% |
Source: www.revenuquebec.ca · As of: Oct 2026 Estimate
| Income bracket | Rate |
|---|---|
| Up to $58,523 | 14.00% |
| $58,523 to $117,045 | 20.50% |
| $117,045 to $181,440 | 26.00% |
| $181,440 to $258,482 | 29.00% |
| Over $258,482 | 33.00% |
Source: www.canada.ca · As of: Oct 2026 Estimate
Specific to Quebec
Quebec residents receive a federal abatement of 16.50% of basic federal tax and file a separate provincial return.
Quebec abatement · Source: www.canada.ca · As of: Oct 2026 Estimate
Provincial or territorial brackets · Source: www.revenuquebec.ca · As of: Oct 2026 Estimate