Compare Ontario vs Quebec
Tax year 2026
Ontario vs Quebec: take-home pay 2026
Ontario and Quebec with the same gross salary: take-home pay under 2026 rules and the taxes behind the gap.
Your detailsCA$63,500 a year
Ontario+CA$2,266 net a year+4.57%
- Ontario
- CA$49,591net a year51.17%
- Quebec
- CA$47,325net a year48.83%
Ontario+CA$2,266 more net a year
CA$49,591Net salary · 78.1% of grossNet 78.1%Taxes 14.7%Social security 7.3%
Quebec
CA$47,325Net salary · 74.5% of grossNet 74.5%Taxes 17.8%Social security 7.7%
Ontario vs QuebecEmployer Contributions Ontario CA$5,019 · Quebec CA$6,366
Country Comparison
Taxes
CA +CA$1,993 · +21.4%OntarioQuebec vs OntarioQuebec
CA$9,30414.7% of gross
Income Tax
CA$11,29717.8% of gross
Income Tax: Ontario CA$9,304 (14.7% of gross), Quebec CA$11,297 (17.8% of gross). Quebec 21% higher.CA$9,30414.7% of gross
Total Taxes
CA$11,29717.8% of gross
Total Taxes: Ontario CA$9,304 (14.7% of gross), Quebec CA$11,297 (17.8% of gross). Quebec 21% higher.Social Security (Employee)
CA +CA$274 · +5.9%OntarioQuebec vs OntarioQuebec
CA$3,5705.6% of gross
Canada Pension Plan (CPP)
CA$3,7806.0% of gross
Canada Pension Plan (CPP): Ontario CA$3,570 (5.6% of gross), Quebec CA$3,780 (6.0% of gross). Quebec 6% higher.CA$1,0351.6% of gross
Employment Insurance (EI)
CA$8261.3% of gross
Employment Insurance (EI): Ontario CA$1,035 (1.6% of gross), Quebec CA$826 (1.3% of gross). Quebec 20% lower.—
Other
CA$2730.4% of gross
Other: Ontario not applicable, Quebec CA$273 (0.4% of gross). Quebec higher.Québec Parental Insurance Plan (QPIP) (CA$273)
CA$4,6057.3% of gross
Total Social Security
CA$4,8797.7% of gross
Total Social Security: Ontario CA$4,605 (7.3% of gross), Quebec CA$4,879 (7.7% of gross). Quebec 6% higher.Summary
OntarioQuebec vs OntarioQuebec
CA$13,90921.9% of gross
Total Deductions
CA$16,17525.5% of gross
Total Deductions: Ontario CA$13,909 (21.9% of gross), Quebec CA$16,175 (25.5% of gross). Quebec 16% higher.CA$49,59178.1% of gross
Net Salary
CA$47,32574.5% of gross
Net Salary: Ontario CA$49,591 (78.1% of gross), Quebec CA$47,325 (74.5% of gross). Quebec 5% lower.Ontario and Quebec: take-home pay at three salaries
Ontario: CA$2,266 more take-home pay a year at a gross salary of CA$63,500.
| Estimated reference salary | Gross Salary | Ontario | Quebec | Difference per year |
|---|---|---|---|---|
| 50% Estimated reference salary | CA$31,750 | CA$26,791 | CA$26,531 | Ontario +CA$260 |
| 100% Estimated reference salary | CA$63,500 | CA$49,591 | CA$47,325 | Ontario +CA$2,266 |
| 200% Estimated reference salary | CA$127,000 | CA$91,304 | CA$85,629 | Ontario +CA$5,675 |
What differs at a gross salary of CA$63,500
| Deductions | Ontario | Quebec |
|---|---|---|
| Federal income tax | CA$6,016 | CA$4,992 |
| Provincial income tax | CA$3,288 | CA$6,305 |
| Canada Pension Plan (CPP) | CA$3,570 | CA$0 |
| Employment Insurance (EI) | CA$1,035 | CA$826 |
| Québec Pension Plan (QPP) | CA$0 | CA$3,780 |
| Québec Parental Insurance Plan (QPIP) | CA$0 | CA$273 |
Estimated reference salary · CA$63,500 · Tax year 2026
Reference salaries are 50%, 100% and 200% of this amount. Assumes a single employee without children who lives and works in the region shown, with the calculator’s default settings.