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Quebec runs its own pension plan, separate from the CPP used everywhere else. Here’s how they compare for 2026.
| QPP (Quebec) | CPP (rest of Canada) | |
|---|---|---|
| Base rate | 6.30% | 5.95% |
| Earnings range | $3,500–$74,600 | $3,500–$74,600 |
| Additional (QPP2/CPP2) rate | 4% | 4% |
| Additional range | $74,600–$85,000 | $74,600–$85,000 |
| Administered by | Retraite Québec | Canada Revenue Agency / Service Canada |
Why Quebec has its own plan
The QPP was established in 1966, the same year as the CPP, as part of an agreement allowing Quebec to run parallel social programs. The two plans are coordinated — contributions and benefits transfer if you move between Quebec and the rest of Canada during your career — but they’re administered and funded separately.
Why QPP’s rate is higher
QPP’s base rate (6.30%) is higher than CPP’s (5.95%), which contributes to Quebec’s generally higher overall payroll deduction rate — partly offset by the federal tax abatement Quebec residents receive.
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Independent estimate based on 2026 CRA federal/provincial payroll formulas, Revenu Québec figures, and published CPP/CPP2/QPP/QPP2, EI and QPIP rates. Not affiliated with the Canada Revenue Agency or the Government of Canada. Actual payroll may differ based on your employer’s specific deductions, benefits, TD1 claim amounts, and other factors. This tool does not constitute tax or financial advice.
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