TaxLoonie

2026 tax year · Rates verified October 20, 2026

Quebec vs Ontario Income Tax 2026

At $80,000, you take home $3,290 more a year in Ontario than in Quebec, about $274 a month. Enter your own pay to compare take-home pay, tax and contributions side by side.

Add other income or RRSP

Example: $80,000 salary

At $80,000, you take home $3,290 more a year in Ontario than in Quebec, about $274 a month.

Quebec$57,012$4,751 a month
Ontario$60,303$5,025 a month
Difference$3,290more in Ontario
QuebecOntarioQuebec − Ontario
Federal tax$7,675$9,243−$1,568
Provincial tax$9,378$4,885+$4,493
QPP / CPP$4,695$4,446+$249
EI and QPIP$1,240$1,123+$117
Total tax and contributions$22,988$19,697+$3,290
Take-home pay$57,012$60,303−$3,290
Average tax rate21.32%17.66%
Marginal tax rate34.62%28.46%
Provincial basic personal amount$18,952$12,989
Sales tax on most purchases14.975%13%

Difference at other salaries

The better province switches 2 times for salaries from $20,000 to $300,000, at about $25,000, $30,000.

−$10k−$7.5k−$5k−$2.5k$0+$2.5k$50k$100k$150k$200k$250k$300kYou: $80,000$20,000: Quebec $18,537, Ontario $18,589$25,000: Quebec $21,984, Ontario $21,833$30,000: Quebec $25,352, Ontario $25,482$35,000: Quebec $28,720, Ontario $29,223$40,000: Quebec $32,088, Ontario $32,814$45,000: Quebec $35,456, Ontario $36,554$50,000: Quebec $38,824, Ontario $40,145$55,000: Quebec $42,192, Ontario $43,861$60,000: Quebec $45,329, Ontario $47,340$65,000: Quebec $48,180, Ontario $50,556$70,000: Quebec $51,045, Ontario $53,786$75,000: Quebec $53,965, Ontario $56,926$80,000: Quebec $57,012, Ontario $60,303$85,000: Quebec $60,060, Ontario $63,679$90,000: Quebec $63,235, Ontario $67,197$95,000: Quebec $66,410, Ontario $70,714$100,000: Quebec $69,585, Ontario $74,206$105,000: Quebec $72,768, Ontario $77,632$110,000: Quebec $75,962, Ontario $81,032$115,000: Quebec $78,969, Ontario $84,337$120,000: Quebec $81,829, Ontario $87,343$125,000: Quebec $84,544, Ontario $90,172$130,000: Quebec $87,258, Ontario $93,002$135,000: Quebec $89,970, Ontario $95,831$140,000: Quebec $92,597, Ontario $98,661$145,000: Quebec $95,224, Ontario $101,490$150,000: Quebec $97,851, Ontario $104,320$155,000: Quebec $100,478, Ontario $107,089$160,000: Quebec $103,105, Ontario $109,841$165,000: Quebec $105,732, Ontario $112,592$170,000: Quebec $108,359, Ontario $115,344$175,000: Quebec $110,986, Ontario $118,095$180,000: Quebec $113,613, Ontario $120,847$185,000: Quebec $116,173, Ontario $123,518$190,000: Quebec $118,662, Ontario $126,105$195,000: Quebec $121,151, Ontario $128,692$200,000: Quebec $123,641, Ontario $131,278$205,000: Quebec $126,130, Ontario $133,715$210,000: Quebec $128,620, Ontario $136,302$215,000: Quebec $131,109, Ontario $138,889$220,000: Quebec $133,599, Ontario $141,475$225,000: Quebec $136,088, Ontario $144,002$230,000: Quebec $138,577, Ontario $146,510$235,000: Quebec $141,067, Ontario $149,019$240,000: Quebec $143,556, Ontario $151,528$245,000: Quebec $146,046, Ontario $154,037$250,000: Quebec $148,535, Ontario $156,546$255,000: Quebec $151,025, Ontario $159,054$260,000: Quebec $153,502, Ontario $161,549$265,000: Quebec $155,837, Ontario $163,872$270,000: Quebec $158,172, Ontario $166,196$275,000: Quebec $160,506, Ontario $168,519$280,000: Quebec $162,841, Ontario $170,843$285,000: Quebec $165,176, Ontario $173,166$290,000: Quebec $167,511, Ontario $175,490$295,000: Quebec $169,845, Ontario $177,813$300,000: Quebec $172,180, Ontario $180,137
  • Bars above $0: more take-home in Quebec
  • Bars below $0: more take-home in Ontario
Show as a table
SalaryQuebecOntarioQuebec − Ontario
$25,000$21,984$21,833+$152
$50,000$38,824$40,145−$1,321
$75,000$53,965$56,926−$2,961
$100,000$69,585$74,206−$4,621
$125,000$84,544$90,172−$5,629
$150,000$97,851$104,320−$6,469
$175,000$110,986$118,095−$7,110
$200,000$123,641$131,278−$7,637
$225,000$136,088$144,002−$7,914
$250,000$148,535$156,546−$8,010
$275,000$160,506$168,519−$8,013
$300,000$172,180$180,137−$7,957

Take-home on $80,000 in every province

  • Nunavut $62,299
  • Northwest Territories $61,166
  • British Columbia $61,157
  • Yukon $61,039
  • Alberta $60,698
  • Ontario $60,303
  • Saskatchewan $59,022
  • New Brunswick $58,246
  • Manitoba $58,228
  • Newfoundland and Labrador $57,857
  • Prince Edward Island $57,335
  • Quebec $57,012
  • Nova Scotia $56,439

Take-home pay by salary: Quebec vs Ontario

Single employee, employment income only, 2026 rates.

SalaryQuebec take-homeOntario take-homeDifferenceMore in
$30,000$25,352$25,482$130Ontario
$50,000$38,824$40,145$1,321Ontario
$60,000$45,329$47,340$2,011Ontario
$75,000$53,965$56,926$2,961Ontario
$90,000$63,235$67,197$3,962Ontario
$100,000$69,585$74,206$4,621Ontario
$125,000$84,544$90,172$5,629Ontario
$150,000$97,851$104,320$6,469Ontario
$200,000$123,641$131,278$7,637Ontario
$250,000$148,535$156,546$8,010Ontario

Where the difference comes from

  • Tax-free amount. Quebec’s basic personal amount is $18,952, higher than Ontario’s $12,989. Income up to that amount carries no provincial tax.
  • Lowest rate. Quebec starts at 14% and Ontario at 5.05%.
  • Top rate. Combined with federal tax, the top rate is 53.31% in Quebec, from $132,245 of taxable income, and 53.53% in Ontario, from $220,000.
  • Quebec’s system. Quebec residents file a separate Quebec return, get a 16.5% cut to federal tax, and pay QPP, a lower EI rate and QPIP instead of CPP and regular EI.
  • Ontario extras. Ontario adds a surtax on higher provincial tax and the Ontario Health Premium of up to $900.

Sales tax in Quebec and Ontario

Sales tax is separate from income tax but affects the cost of living. Quebec charges 5% GST + 9.975% QST, Ontario charges 13% HST. On $1,000 of taxable purchases that is $150 in Quebec and $130 in Ontario. Groceries and some other basics are tax-free everywhere.

What’s different in each for 2026

Quebec

  • Quebec residents file a separate Quebec return (TP-1) with Revenu Québec, and their federal tax is cut by a 16.5% abatement.
  • Quebec workers pay QPP at 6.30% instead of CPP at 5.95%, a lower EI rate of 1.30%, and QPIP premiums of 0.43%.
  • Quebec’s basic personal amount is $18,952, and the deduction for workers lowers Quebec taxable income by up to $1,450.

Ontario

  • Ontario adds a surtax: 20% of Ontario tax above $5,818, plus 36% of Ontario tax above $7,446.
  • The Ontario Health Premium, collected through your return, ranges from $0 to $900 depending on taxable income.
  • The Ontario tax reduction removes Ontario tax for lower incomes, using a $300 basic amount for 2026.
  • Ontario’s LIFT credit for low-income workers is not yet included in this calculator.

Full calculators: Quebec income tax calculator · Ontario income tax calculator

How the comparison works

Both columns use the same income and the same 2026 engine as our income tax calculators: federal and provincial brackets, basic personal amounts, QPP or CPP, EI and each province’s own surtaxes, premiums and reductions. Federal tax is the same everywhere except Quebec, so the difference comes from provincial tax and Quebec’s different payroll contributions.

You pay provincial tax to the province where you live on December 31. It assumes a single person claiming only the basic credits and does not yet include dividends, Ontario’s LIFT credit, low-income tax reductions in Nova Scotia, New Brunswick, Newfoundland and Labrador and P.E.I., age, pension, spouse, dependant, disability, medical, tuition and donation credits, refundable benefits, and alternative minimum tax.

Frequently asked questions

Is income tax higher in Quebec or Ontario?

It depends on income. For 2026, take-home pay on a $50,000 salary is $1,321 more in Ontario; on $100,000 it is $4,621 more in Ontario; on $200,000 it is $7,637 more in Ontario. The better province switches 2 times for salaries from $20,000 to $300,000, at about $25,000, $30,000.

How much more would I take home in Ontario than in Quebec on $100,000?

On a $100,000 salary in 2026, take-home pay is $74,206 in Ontario and $69,585 in Quebec, a difference of $4,621 a year.

If I move from Quebec to Ontario during 2026, which province taxes me?

The province where you live on December 31, 2026 taxes all of your 2026 income. If you move in November, you pay Ontario tax for the whole year. Your employer may keep deducting Quebec tax until you update your details, so expect a refund or balance owing at filing.

Does this comparison include sales tax and cost of living?

The take-home figures cover income tax, QPP or CPP, EI and QPIP only. Sales tax rates are shown separately. Housing, benefits, health premiums outside Ontario and other living costs are not included.

What does the comparison leave out?

It assumes a single person claiming the basic credits. It does not yet include dividends, Ontario’s LIFT credit, low-income tax reductions in Nova Scotia, New Brunswick, Newfoundland and Labrador and P.E.I., age, pension, spouse, dependant, disability, medical, tuition and donation credits, refundable benefits, and alternative minimum tax.

Sources

Rates were last verified on October 20, 2026 and are checked by 57 automated tests against CRA and Revenu Québec figures.

Other comparisons