Quebec · QPP, QPIP and EI

Quebec QPP & QPIP contribution calculator.

See what comes out of your pay and what your employer contributes.

Quebec Payroll Calculator Pay estimate · CAD

01 · Your pay

Start with your gross pay.

Gross pay

Gross pay for one pay period, before deductions.

Pay frequency

Enter the pay received each selected period.

Adjust tax credits

Federal TD1 claim amount

Leave blank for the 2026 basic personal amount. Otherwise, enter the total claim from your federal TD1, including zero.

Annualized 2026 estimate for regular, fully pensionable and insurable pay. Uses annual tax rates, not the July-December catch-up withholding rates. Check an actual paycheque with WebRAS and CRA PDOC.

Check coverage and assumptions

Example estimate · Change the pay details to make it yours.

Estimated pay after deductionsEnter your pay

Annualized estimate using annual tax rates. Actual cheque withholding and other deductions can differ.

Gross payPending

ContributionsPending

Federal income taxPending

Quebec income taxPending

Show contribution breakdown

QPP employee contributionPending

QPP2 employee contributionPending

QPIP employee premiumPending

EI employee premiumPending

How is this calculated?

How this estimate works Calculation, coverage & sources

Your calculation

Enter pay to see the contribution calculation.

Enter pay to see the tax calculation.

Regular gross pay is annualized. Annual contributions and approximate annual tax are divided across equal periods. This does not reproduce CPP2 starting only after actual YTD earnings cross YMPE, deductions stopping at actual annual maxima, or July-December catch-up withholding.

Revenu Québec QPIP rates · Revenu Québec payroll guidance

Check your circumstances

Regular Quebec employment with standard QPP, QPIP and EI coverage. Age-related QPP elections and contribution exemptions are excluded.

Quebec tax includes the worker deduction and basic personal credit. Federal tax includes base QPP, EI and QPIP credits, additional QPP deductions and the Quebec abatement. Other income, other personal or provincial relief, registered pension deductions, irregular pay and YTD adjustments are excluded. Employer costs exclude other payroll taxes, workers’ compensation and benefits.

Estimate QPP, QPP2, QPIP and reduced-rate EI for Quebec employment.

Read the full answer

Enter regular gross pay and frequency to see annualized employee and employer contributions, plus an approximate income-tax estimate. The result spreads annual amounts across equal periods. It does not calculate an actual cheque from year-to-date payroll records.

Current statutory rates · tracked from the official sources

Quebec QPP & QPIP contribution calculator: the statutory rates for 2026.

2026 QPP, QPP2, QPIP and reduced EI contribution rates from Revenu Quebec and CRA. Contribution-rate references do not certify the income-tax estimate. See the method and sources.

6.30%

QPP employee rate

Quebec Pension Plan, replaces CPP. Applies on earnings between $3,500 exemption and $74,600 YMPE. Higher than CPP (5.95%).

4.00%

QPP2 employee rate

Second-tier QPP on earnings between $74,600 and $85,000. Same as federal CPP2.

0.430%

QPIP employee rate

Quebec Parental Insurance Plan. Up to $103,000 MIE. Employer pays 0.602% (1.4×).

1.30%

EI employee rate (Quebec)

Reduced from 1.63% rest-of-Canada because QPIP covers parental separately.

25+ years running Canadian payroll

The rates above aren't a one-off. They run every cycle.

Workzoom has run Canadian payroll since 2000. The 2026 CRA rates in this calculator are the rates Workzoom applies automatically on every pay run, with T4 and ROE generated from the same engine, ready to submit.

See Workzoom Payroll

The full breakdown How Quebec QPP-QPIP actually works: the math, filing deadlines, and setup steps. A plain-English guide for Quebec employers, published by Workzoom as a free resource.

What employers actually ask about Quebec QPP-QPIP.

The most common questions Quebec employers ask about QPP-QPIP, filing, and payroll integration.

How does the Quebec QPP calculator handle QPIP and EI Quebec?

The Quebec QPP calculator runs Quebec Pension Plan (QPP), Quebec Parental Insurance Plan (QPIP), and EI Quebec deductions on any gross pay. Live rates from Revenu Quebec, CNESST, and the Régie des rentes. Enter gross pay and pay frequency to see employer and employee math in seconds, the current statutory figures every Quebec employer must remit. Workzoom tracks the current QPP, QPIP, and EI Quebec thresholds and publishes this as a free resource.

What is the difference between QPP and CPP?

QPP (Quebec Pension Plan) and CPP (Canada Pension Plan) are parallel pension programs. Quebec employees contribute to QPP instead of CPP. The 2026 QPP rate is 6.30% (vs 5.95% CPP), reflecting Quebec's slightly different funding structure. Both programs have the same $3,500 basic exemption and $74,600 YMPE. Employers match the employee rate dollar-for-dollar.

What is QPIP and why does Quebec have a separate plan?

QPIP (Quebec Parental Insurance Plan) funds maternity, paternity, parental, and adoption benefits separately from the federal EI program. Quebec opted out of the federal EI parental benefits program in 2006 to provide more generous and flexible coverage. The 2026 employee QPIP rate is 0.430% on earnings up to $103,000 MIE. Employers pay 0.602%. Because QPIP covers parental insurance, Quebec employees pay a reduced EI rate of 1.30% (vs 1.63% in the rest of Canada).

Do Quebec employees pay both QPP and CPP?

CPP and QPP are parallel plans. Apply the relevant province-of-employment and plan-coverage rules to determine the deduction. A remote employee’s home address or a move alone does not necessarily change the payroll province. Check the CRA and Revenu Quebec rules before changing CPP/QPP configuration.

What is the Quebec EI rate?

The 2026 Quebec EI rate for employees is 1.30% on insurable earnings up to $68,900 MIE. This is lower than the 1.63% rate that applies in the rest of Canada because Quebec's QPIP program covers parental insurance separately. Employers pay 1.4× the employee rate. The combined QPIP + reduced EI gives Quebec employees broadly similar total coverage to rest-of-Canada employees, just split across two programs.

Is QPP2 a separate contribution from QPP?

QPP2 is the second-tier Quebec Pension Plan contribution that applies on earnings between the YMPE ($74,600) and YAMPE ($85,000) for 2026. The rate is 4% for both employee and employer. QPP2 mirrors federal CPP2 and was introduced as part of the QPP enhancement starting January 2024.

Last updatedSep 10, 2026

Definitions

QPP: Quebec Pension Plan. The Quebec equivalent of CPP, administered by Retraite Québec. Employee and employer rates 6.30% each in 2026 on pensionable earnings between the $3,500 basic exemption and the $74,600 YMPE. Source: rrq.gouv.qc.ca.

QPP2: Second-tier QPP contribution on earnings between the YMPE and YAMPE. 4% for both employee and employer in 2026, mirroring the federal CPP2.

QPIP: Quebec Parental Insurance Plan. Funds maternity, paternity, parental, and adoption benefits in Quebec separately from federal EI. Employee rate 0.430% in 2026 to the $103,000 MIE; employer pays 0.602% (1.4×). Source: rqap.gouv.qc.ca.

EI (Quebec): Federal Employment Insurance at the reduced Quebec rate of 1.30% in 2026 (vs 1.63% in the rest of Canada) on insurable earnings to the $68,900 MIE. The reduction reflects QPIP covering parental insurance separately.

YMPE: Year's Maximum Pensionable Earnings. $74,600 for 2026, applies to both QPP and CPP.

YAMPE: Year's Additional Maximum Pensionable Earnings. $85,000 for 2026, applies to both QPP2 and CPP2.

RL-1: Quebec Relevé 1, the annual employer return to Revenu Québec reporting employment income, QPP, QPP2, QPIP, and Quebec tax withheld per employee. Due by the last day of February, subject to the authority’s weekend/public-holiday rollover rule.

Retraite Québec: The Quebec government body administering QPP. Sets QPP rates, the YMPE, and pension benefit calculations.

Disclaimer

Statutory information accurate as of Sep 10, 2026 and reviewed quarterly. Rates and thresholds are set by Quebec Payroll Deduction (QPP, QPIP, EI Quebec) and may change. Workzoom maintains current rates in the platform automatically. Pricing in local currency or USD equivalent. Implementation, training, and support are included.

Run Quebec payroll without the QPP-vs-CPP confusion.

Configure Workzoom Payroll for the applicable province of employment and CPP/QPP coverage. RL-1 and T4 year-end filings automated. $4 per employee per month per suite.

Book a Walkthrough Canada overview

Since 2000. Workzoom has run Canadian payroll for 25+ years.
Canadian data residency, AWS Canada. Customer data stays in Canada.
SOC 2-aligned controls. Encrypted at rest, role-based access, audit logs.