Estimate your disposable income

Use the calculator to estimate your disposable income for the last two years based on your family situation. Disposable income is the money you have left after paying your taxes and mandatory contributions and after receiving various Québec and federal government assistance.

Estimate disposable income

The results are based on the most common situations and do not take into account all income (for example, the results exclude dividends and rental income) or all deductions or tax credits (for example, the results exclude RRSP contributions).

The final amounts will be confirmed by the responsible departments and agencies. In the calculation details, amounts preceded by a “−” sign indicate amounts payable in taxes or contributions.

For 2026, a person living alone with an income of $50 000 will see their disposable income increase by $434 compared to 2025.

This increase is mainly due to tax adjustments based on the cost of living in Québec ($166) and at the federal level ($206). Contributions will decrease by $61, thanks in particular to the reduction in workers’ social security contributions announced in the fall 2025 Update on Québec’s Economic and Financial Situation.

Since January 1, 2026, workers benefit from a reduction in their social security contributions, representing a decrease of:

• 5.4% to 5.3% in the employee contribution rate to the base plan of the Québec Pension Plan;
• 0.494% to 0.430% in the employee contribution rate to the Québec Parental Insurance Plan.

The reduction in social security contributions represents annual savings of $378 million for workers.

Amounts related to taxes and social assistance benefits have increased by 2.05% since January 1, 2026, to protect households’ purchasing power. The increase in these amounts represents more than $930 million per year.

The calculation of disposable income is based on the assumptions indicated below.

The household situation, age of children, and income are the same between the periods presented. No individual is dependent on another person.

All households contribute to the Québec Prescription Drug Insurance Plan. Depending on the annual amount paid, a household may be eligible for refundable and non-refundable tax credits related to Québec and federal medical expenses. These are the only medical expenses taken into account in these tax credits.

The parameters used for the following benefits are those applicable in July of the corresponding year:

• Solidarity tax credit
• Family Allowance (Québec)
• Canada Child Benefit
• GST credit

The calculation of the Shelter Allowance takes into account the average cost of housing in Québec in October 2024, according to the Canada Mortgage and Housing Corporation’s Housing Market Information Portal. The parameters used for this assistance are those in effect in October of the previous year.