✓ Verified against published figures — see how →

Self-Employed Taxes in Quebec

Quebec freelancers play by different rules: two tax returns, QPP instead of CPP, QPIP premiums, and a … federal abatement. Enter your net income and see your complete, verified estimate for 2025 or 2026 — including the pieces Canada-wide calculators quietly skip.

Net self-employment income (after business expenses)

Tax year

estimated total for 2025 — taxes + QPP + QPIP

Federal income tax (after the Quebec abatement)

Quebec income tax

QPP + QPP2 (self-employed pays both halves)

QPIP (Quebec parental insurance, self-employed rate)

Set aside monthly so April doesn't hurt

After-tax income

Effective (average) rate

Two returns, two systems

Quebec is the only province where you file two income tax returns: the federal T1 (with form T2125 for business income) to the CRA, and Quebec's TP-1 (with form TP-80) to Revenu Québec. The deductible expenses are essentially the same on both sides — the payroll-style contributions are what differ:

QPP instead of CPP — Quebec workers contribute to the Quebec Pension Plan. Self-employed, you pay both the employee and employer shares: … on earnings up to the maximum (…), plus the second-ceiling QPP2 at … between … and …. The QPP rate is higher than CPP's — a detail most Canada-wide calculators miss.
QPIP — the Quebec Parental Insurance Plan is mandatory for the self-employed: … of insurable income up to ….
The Quebec abatement — your basic federal tax is reduced by … because Quebec administers its own programs. We apply it after credits, the way the real calculation works.

Worked examples (from the verified engine)

Every number below is computed live by the same tested engine that powers the calculator — nothing is hand-written:

Net income	Federal tax	Quebec tax	QPP	QPIP	Total	Effective rate

Deadlines that matter

June 15 — filing deadline for both returns when you (or your spouse) are self-employed.
April 30 — despite the later filing date, any balance owing is due April 30 or interest starts running (confirmed on Revenu Québec's site).
GST + QST — registration becomes mandatory once taxable sales exceed $30,000 in a quarter or over four consecutive quarters; in Quebec, Revenu Québec administers both taxes.

FAQ

How much tax do self-employed people pay in Quebec?

How much should I set aside for taxes in Quebec?

Do I pay CPP or QPP?

QPP (the Quebec Pension Plan). If you work in Quebec, your contributions go to the QPP, not the CPP — and self-employed people pay both halves (employee + employer). QPP's rate is higher than CPP's, and QPIP comes on top. This calculator applies both, with the deduction/credit split the way your return does it.

What is NOT included in the estimate?

Three Quebec-specific items aren't modelled, because we only publish figures that pass our verification suite: the Health Services Fund (HSF) contribution, the public prescription drug plan (RAMQ) premium if you don't have private coverage, and the Quebec workers' deduction. Your real total can differ slightly — the calculator says so right in the result.

Do I really file two tax returns?

Yes. The federal return (T1, with T2125 for business income) goes to the CRA; the Quebec return (TP-1, with TP-80) goes to Revenu Québec. Both share the June 15 self-employed filing deadline, and both balances are due April 30.

Now lower that number. Find the deductions you're missing, then generate your T2125 with the right amounts on the right lines.

Find My Missing Deductions → T2125 Generator →

📬 Don't get surprised at tax time

One short email when a deadline or tax figure that affects freelancers changes. No spam, unsubscribe anytime.

Estimates only, for planning purposes — this does not constitute tax, legal or accounting advice. Consult a tax professional about your situation. Quebec items not modelled: HSF contribution, RAMQ premium, workers' deduction. Deadlines (June 15 / April 30) and the $30,000 GST/QST registration threshold verified on revenuquebec.ca on July 3, 2026.