Quebec freelance tax, GST & QST calculator.
Estimate the income tax, CPP, and GST + QST you should set aside on your Quebec self-employment income — on verified federal and Quebec 2026 rates. No sign-up.
Estimate your set-aside
How the estimate works
Income tax for the self-employed in Quebec is the sum of three things, all calculated on your net income (revenue minus deductible business expenses): federal tax, Quebec tax, and Canada Pension Plan contributions. Sales tax is separate — it's charged on top of what you bill, and it belongs to the CRA and Revenu Québec.
Federal income tax (2026)
Applied to net income above the federal basic personal amount of $16,452, then reduced by the 16.5% Quebec abatement:
| Taxable income | Rate |
|---|---|
| Up to $58,523 | 14% |
| $58,523 – $117,045 | 20.5% |
| $117,045 – $181,440 | 26% |
| $181,440 – $258,482 | 29% |
| Over $258,482 | 33% |
Quebec income tax (2026)
Applied above the Quebec basic personal amount of $18,952:
| Taxable income | Rate |
|---|---|
| Up to $54,345 | 14% |
| $54,345 – $108,680 | 19% |
| $108,680 – $132,245 | 24% |
| Over $132,245 | 25.75% |
CPP for the self-employed
Employees split CPP with their employer; the self-employed pay both halves — 11.9% on net income between the $3,500 exemption and the year's maximum, plus CPP2 on earnings above the first ceiling. It's the biggest surprise for new freelancers, and why a flat "set aside 20%" usually falls short.
GST 5% + QST 9.975% (via Revenu Québec)
Quebec is the only province that runs its own sales-tax and income-tax administration. On most services you charge 5% GST (remitted to the CRA) and 9.975% QST (remitted to Revenu Québec) once past the $30,000 threshold — a combined 14.975%. Quebec residents also receive the 16.5% federal tax abatement (already reflected in the estimate above) and file their provincial return with Revenu Québec, not the CRA.
T2125 & CRA deadlines, briefly
- Form T2125 reports your business income and expenses; it's filed with your personal T1 return and its net figure drives the tax above.
- Filing deadline: June 15 for the self-employed — but any balance owing is still due April 30, so interest accrues from then.
- Installments: once the CRA requires them, personal tax installments fall on March 15, June 15, September 15, and December 15.
- Sales-tax returns: due annually, quarterly, or monthly depending on your revenue and election.
Frequently asked
- Do I charge GST and QST in Quebec?
- Yes — on most services you charge 5% GST (to the CRA) and 9.975% QST (to Revenu Québec) once past $30,000 in revenue. Quebec administers its own taxes through Revenu Québec.
- How much should a Quebec freelancer set aside for taxes?
- For most, 25–30% of net self-employment income covers federal and Quebec income tax plus CPP, rising with income. The calculator above estimates it on verified 2026 rates.
- Is this calculator exact?
- It uses Saava's verified 2026 federal and Quebec rates, but it is a planning estimate, not tax advice. The full app refines it across the year and every province.
Track it, don't just estimate it.
Saava sets aside the right amount per payment, flags CRA deadlines before they hit, and estimates year-end tax for every province — free during beta.
In another province? See all Canadian tax & sales-tax calculators.