No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Quebec has its own tax system — residents pay federal tax with a 16.5% abatement (since Quebec funds its own programs), plus Quebec provincial tax. Quebec uses QPP instead of CPP. Use this calculator to see your real take-home pay.
Annual Take-Home Pay:
Quebec is the only province that collects its own personal income tax separately. Rather than using the federal tax system, Quebecers file two separate tax returns: one to the CRA and one to Revenu Québec. To compensate for the cost of provincial programs, Quebec residents receive a 16.5% federal tax abatement.
| Income Range | Rate |
|---|---|
| $0 – $51,780 | 14% |
| $51,781 – $103,545 | 19% |
| $103,546 – $126,000 | 24% |
| Over $126,000 | 25.75% |
Quebec residents contribute to the Quebec Pension Plan (QPP) rather than CPP. The QPP contribution rate in 2025 is 6.4% on earnings between $3,500 and $68,500. Quebec also has a different EI premium rate of 1.32% (lower than the 1.64% for other provinces).
After taxes and deductions, every dollar counts. KOHO's no-fee account means you stop paying $15-$30/month in bank fees. Plus cash back on groceries and gas. Use code BREMO2026 for a bonus.
Get KOHO Free — Use Code BREMO2026Quebec has the highest combined marginal rate for incomes between $51,780 and $103,545, where the 19% provincial rate plus federal results in some of the steepest effective rates. However, Quebec residents also benefit from subsidized childcare ($10/day), cheap tuition, and other programs that reduce out-of-pocket costs elsewhere.