{"id":61085,"date":"2026-05-01T12:05:29","date_gmt":"2026-05-01T16:05:29","guid":{"rendered":"https:\/\/www.assur360.ca\/assur360-simulators-free-tools-for-your-financial-decisions\/cqff-curves-formerly-claude-laferriere-temi-2025-calculator\/"},"modified":"2026-05-01T13:20:29","modified_gmt":"2026-05-01T17:20:29","slug":"true-tax-rate-quebec-temi-calculator","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/true-tax-rate-quebec-temi-calculator\/","title":{"rendered":"True Tax Rate in Quebec \u2014 TEMI 2025 Calculator"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<style>.temi-hero{background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:64px 32px}\n.temi-hero .biv-wrap{max-width:1100px;margin:0 auto}\n.temi-hero .breadcrumb{font-family:'DM Sans',sans-serif;font-size:13px;letter-spacing:.05em;color:#10c4c7;margin-bottom:14px}\n.temi-hero .breadcrumb 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#fff}\n@media(max-width:680px){.temi-hero h1{font-size:32px}.temi-stat .value{font-size:26px}.temi-stat.--main .value{font-size:30px}.temi-results-money{grid-template-columns:1fr}}\n<\/style><section class=\"temi-hero\"><div class=\"biv-wrap\"><div class=\"breadcrumb\"><a href=\"\/\">Accueil<\/a> \u00b7 <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/\">Simulateurs<\/a> \u00b7 Vrai taux d&#8217;imposition<\/div><span class=\"eyebrow\">\u25c6 Calculateur fiscal Qu\u00e9bec 2025<\/span><h1><span class=\"ez-toc-section\" id=\"Votre-vrai-taux-dimposition-au-Quebec\"><\/span>Votre <em>vrai taux d&#8217;imposition<\/em> au Qu\u00e9bec<span class=\"ez-toc-section-end\"><\/span><\/h1><p class=\"lede\">Trois taux diff\u00e9rents racontent toute l&#8217;histoire : le <strong>marginal statutaire<\/strong> (les tranches), le <strong>marginal effectif (TEMI)<\/strong> qui inclut RRQ\/AE et la perte de cr\u00e9dits, et le <strong>taux effectif moyen<\/strong> sur l&#8217;ensemble de votre revenu. On les calcule, on les compare, on explique tout.<\/p><\/div><\/section>\n\n<section class=\"temi-section\">\n  <h2><span class=\"ez-toc-section\" id=\"Understanding-the-Three-Tax-Rates\"><\/span>Understanding the Three Tax Rates<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The media and politicians talk about &#8220;tax rates&#8221; in the singular. Tax specialists use at least three. Here is the nuance that changes everything.  <\/p>\n  <div class=\"temi-3rates\">\n    <div class=\"temi-3rate\">\n      <div class=\"label\">\u25c6 1 \/ Statutory Marginal<\/div>\n      <h4>Based on tax brackets only<\/h4>\n      <p>Federal (with Quebec 16.5% abatement) + Quebec provincial, on the next dollar earned. This is the rate displayed in most media. It <strong>underestimates<\/strong> your true cost.  <\/p>\n    <\/div>\n    <div class=\"temi-3rate focus\">\n      <div class=\"label\">\u25c6 2 \/ METR (effective marginal)<\/div>\n      <h4>All Inclusive, Next Dollar Earned<\/h4>\n      <p>Statutory marginal + QPP + EI + QPIP + loss of refundable credits (GST, CCB, Family Allowance, OAS). This is <strong>your true tax cost<\/strong> on the next $1,000 earned. Often 50-70% for families.  <\/p>\n    <\/div>\n    <div class=\"temi-3rate\">\n      <div class=\"label\">\u25c6 3 \/ Average number of students<\/div>\n      <h4>On your entire income<\/h4>\n      <p>Total taxes and contributions divided by your gross income. Always <strong>lower<\/strong> than the other two because the first brackets are taxed low (basic personal amount). <\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"temi-section\">\n  <div class=\"temi-calc\">\n    <h2 style=\"margin-top:0\"><span class=\"ez-toc-section\" id=\"Calculator-%E2%80%94-Your-Three-Rates-Online\"><\/span>Calculator \u2014 Your Three Rates Online<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <div id=\"temi-meta\" class=\"temi-meta\">Loading Tax Settings&#8230;<\/div>\n\n    <div class=\"temi-form\">\n      <div class=\"temi-field\">\n        <label for=\"temi-income\">Annual Gross Revenue  <span id=\"temi-income-out\" class=\"temi-field-out\"><\/span><\/label>\n        <input id=\"temi-income\" type=\"range\" min=\"5000\" max=\"200000\" step=\"1000\" value=\"55000\"\/>\n      <\/div>\n      <div class=\"temi-field\">\n        <label for=\"temi-family\">Family<\/label>\n situation<select id=\"temi-family\">\n<option value=\"celibataire\">Single without children<\/option>\n<option value=\"couple\" selected=\"selected\">Couple<\/option>\n Single<option value=\"monoparental\">parent family<\/option>                              \n        <\/select>         \n      <\/div>\n      <div class=\"temi-field\">\n        <label for=\"temi-kids\">Dependent children (under 18 years of age)<\/label>\n        <select id=\"temi-kids\">\n          <option value=\"0\">None<\/option>\n          <option value=\"1\">1 child<\/option>\n          <option value=\"2\" selected=\"selected\">2 children<\/option>\n          <option value=\"3\">3 children<\/option>\n          <option value=\"4\">4 or more children<\/option>\n        <\/select>\n      <\/div>\n      <div class=\"temi-field\">\n        <label for=\"temi-age\">Your age<\/label>\n        <input id=\"temi-age\" type=\"number\" min=\"18\" max=\"100\" value=\"40\"\/>\n      <\/div>\n    <\/div>\n\n    <div class=\"temi-results\">\n      <div class=\"temi-stat\">\n        <div class=\"label\">Statutory marginal<\/div>\n        <div class=\"value\" id=\"temi-stat-pct\">\u2014<\/div>\n        <div class=\"note\">Fed+Qc brackets only<\/div>\n      <\/div>\n      <div class=\"temi-stat --main\">\n        <div class=\"label\">\u25c6 METR (effective marginal)<\/div>\n        <div class=\"value\" id=\"temi-temi-pct\">\u2014<\/div>\n        <div class=\"note\">On the next $1,000 \u2014 ALL INCLUDED<\/div>\n      <\/div>\n      <div class=\"temi-stat\">\n        <div class=\"label\">Average number of employees<\/div>\n        <div class=\"value\" id=\"temi-avg-pct\">\u2014<\/div>\n        <div class=\"note\">Taxes + Contributions \/ Income<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"temi-results-money\">\n      <div class=\"temi-stat --keep\">\n        <div class=\"label\">Keep on $1,000<\/div>\n        <div class=\"value\" id=\"temi-keep-1k\">\u2014<\/div>\n        <div class=\"note\">Net in your pocket after METR<\/div>\n      <\/div>\n      <div class=\"temi-stat --lose\">\n        <div class=\"label\">You lose on $1,000<\/div>\n        <div class=\"value\" id=\"temi-lose-1k\">\u2014<\/div>\n        <div class=\"note\">Tax + contributions + forfeited credits<\/div>\n      <\/div>\n    <\/div>\n\n    <h3 style=\"margin-bottom:6px\">Composition of the METR<\/h3>\n    <p style=\"font-size:14px;color:#64748b;margin:0 0 14px\">Breakdown by category of the charges that apply to your next dollar earned.<\/p>\n    <div id=\"temi-breakdown\"><\/div>\n\n    <h3 style=\"margin-top:32px;margin-bottom:6px\">METR curve by income<\/h3>\n    <p style=\"font-size:14px;color:#64748b;margin:0 0 14px\">The blue dot marker indicates your current income. Move the cursor to explore the tiers. <\/p>\n    <div id=\"temi-chart\"><\/div>\n\n    <div class=\"temi-disclaimer\">\n      <h4>\u26a0\ufe0f Scope of the calculator \u2014 read before you act<\/h4>\n      <p><strong>Included:<\/strong><\/p>\n      <ul>\n        <li>Quebec federal + provincial tax (2025 brackets) with basic personal amount<\/li>\n        <li>Quebec Abatement 16.5% on Federal Tax<\/li>\n        <li>QPP premiums (basic + additional), Employment Insurance (QC rate), QPIP<\/li>\n        <li>Phase-outs: GST credit, Quebec solidarity credit, CCB (according to # children \u00d7 bracket), Qc family allowance, PSV recovery (65+)<\/li>\n      <\/ul>\n      <p><strong>Not included (and it sometimes changes a lot):<\/strong><\/p>\n      <ul>\n        <li>RRSP\/TFSA\/RESP\/FHSA contributions \u2014 which actually reduce your taxable income<\/li>\n        <li>Non-refundable credits: medical expenses, donations, public transit, education, person with a disability, caregiver<\/li>\n        <li>Pension splitting between spouses, professional allowance, deduction for employees<\/li>\n        <li>Annuitant\/Self-Employment HSF, Reduced Child Care Subsidy, Public Drug Premium<\/li>\n      <\/ul>\n      <p><strong>As a result,<\/strong> this calculator gives <em>orders of magnitude<\/em> and illustrates the &#8220;bumps&#8221; of the METR. It <strong>is not a substitute<\/strong> for tax software or the advice of a tax professional for important decisions (RRSP vs. TFSA, retirement, sale of assets, etc.). <\/p>\n    <\/div>\n  <\/div>\n\n  <h2><span class=\"ez-toc-section\" id=\"Compare-with-an-official-calculator\"><\/span>Compare with an official calculator<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>To validate the order of magnitude of your <strong>average effective rate<\/strong> or file your return, use one of these tools. The full METR (with phase-outs) is rarely displayed by consumer tools \u2014 that&#8217;s our angle here. <\/p>\n  <div class=\"temi-officiels\"><div class=\"temi-officiel\"><div class=\"org\">Revenu Qu\u00e9bec<\/div><h4>Disposable Income Calculator<\/h4><p>Official. Detailed calculation of taxes + contributions + refundable credits, by profile. <\/p><a href=\"https:\/\/www.revenuquebec.ca\/fr\/citoyens\/declaration-de-revenus\/produire-votre-declaration-de-revenus\/calculateur-revenu-disponible\/\" rel=\"nofollow noopener\" target=\"_blank\">Open \u2192<\/a><\/div><div class=\"temi-officiel\"><div class=\"org\">EY Canada<\/div><h4>Income Tax Calculator<\/h4><p>All levels of government and province in Canada. Indexed annually. <\/p><a href=\"https:\/\/www.ey.com\/fr_ca\/tax\/tax-calculators\" rel=\"nofollow noopener\" target=\"_blank\">Open \u2192<\/a><\/div><div class=\"temi-officiel\"><div class=\"org\">Intuit Canada<\/div><h4>TurboTax Software<\/h4><p>To file the return. Calculates the exact tax based on your actual credits. <\/p><a href=\"https:\/\/turboimpot.intuit.ca\/\" rel=\"nofollow noopener\" target=\"_blank\">Open \u2192<\/a><\/div><\/div>\n\n  <h2><span class=\"ez-toc-section\" id=\"Why-the-rate-you-see-on-the-screen-is-not-your-true-rate\"><\/span>Why the rate you see on the screen is not your true rate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>A $70,000 resident doctor with two young children, seen as the &#8220;27.5% bracket,&#8221; actually loses <strong>about 55% of every additional $1,000<\/strong> earned in overtime:<\/p>\n  <ul>\n    <li>Fed+QC brackets: ~32%<\/li>\n    <li>Additional QPP + EI + QPIP: ~6%<\/li>\n    <li>CCB Recovery (2 children, low bracket): 13.5%<\/li>\n    <li>Reduction in the Quebec family allowance: 4%<\/li>\n  <\/ul>\n  <p>= 55%. These phase-outs <strong>pile up<\/strong> and create the famous &#8220;bumps&#8221; that make RRSP optimization particularly profitable around $50-90K for families. <\/p>\n\n  <h2><span class=\"ez-toc-section\" id=\"Five-strategies-to-reduce-your-METR\"><\/span>Five strategies to reduce your METR<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div class=\"temi-tips\">\n    <div class=\"temi-tip\"><h4>1. Contribute to an RRSP<\/h4><p>Reduces taxable income, thus &#8220;shifting&#8221; your position on the curve. Double Gain: Less tax + clawback of credits like the CCB and Family Allowance. <\/p><\/div>\n    <div class=\"temi-tip\"><h4>2. Contribute to a TFSA<\/h4><p>Income is not reduced, but yield and withdrawals do not count in the calculation of the future METR. Ideal if you are in a &#8220;bump&#8221;. <\/p><\/div>\n    <div class=\"temi-tip\"><h4>3. Income splitting<\/h4><p>Retired couples: splitting of the pension between spouses. Family in business: salary to spouse at a reasonable rate. <\/p><\/div>\n    <div class=\"temi-tip\"><h4>4. Spread out exceptional income<\/h4><p>Sale of a property, RRSP withdrawal, retirement bonus: if possible, spread it over several years so as not to hit the &#8220;bump&#8221; all at once.<\/p><\/div>\n    <div class=\"temi-tip\"><h4>5. Plan for RRIF withdrawals<\/h4><p>After age 71, the minimum withdrawal from the RRIF increases with age. Combined with the OAS and QPP, you quickly enter the PSV recovery zone (15%). <\/p><\/div>\n  <\/div>\n\n  <h2 id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <details class=\"temi-faq-item\"><summary>What is the difference between the three rates displayed?<\/summary><div class=\"temi-faq-a\"><strong>Statutory marginal rate<\/strong> : percentage according to tax brackets only (federal + QC, after Quebec abatement). This is what the media often display. <strong>METR (effective marginal rate):<\/strong> adds premiums (QPP, EI, QPIP) and loss of refundable credits (GST, CCB, Family Allowance, OAS). That&#8217;s your <em>true cost<\/em> on the next dollar. <strong>Average effective rate<\/strong> : taxes + contributions on <em>your entire<\/em> income \u2014 always lower than the marginal rate.  <\/div><\/details><details class=\"temi-faq-item\"><summary>Why can my METR reach 60-70% at certain levels?<\/summary><div class=\"temi-faq-a\">Because several <strong>phase-outs add up<\/strong>. A $50,000 family with two children can lose 13.5% of CCB + 4% of Family Allowance + 5% GST + 6% of Solidarity, in addition to paying ~28% tax and 5.9% QPP. Total: 60-65% METR on the next $1,000 earned. It&#8217;s mathematical, not an opinion.   <\/div><\/details><details class=\"temi-faq-item\"><summary>&#8220;True tax rate&#8221; \u2014 is that an official term?<\/summary><div class=\"temi-faq-a\"><strong>No.<\/strong>  There is no single legal definition. Tax experts speak of <strong>the &#8220;TEMI&#8221;<\/strong> (effective marginal tax rate). &#8220;True rate&#8221; is a pedagogical simplification. This calculator uses the METR method: add up all marginal charges that apply to the next dollar earned. The official curves published in Quebec by Revenu Qu\u00e9bec and specialized tax experts use the same approach.    <\/div><\/details><details class=\"temi-faq-item\"><summary>What is included in the calculation?<\/summary><div class=\"temi-faq-a\"><strong>Taxes<\/strong> : federal with 16.5% Qc allowance + provincial Qc + basic personal amount. <strong>Contributions<\/strong> : QPP (basic + sup.), Employment Insurance (QC rate), QPIP. <strong>Phase-outs<\/strong> : GST credit, Quebec solidarity credit, CCB (according to # children \u00d7 bracket), Quebec family allowance, PSV recovery (65+).<\/div><\/details><details class=\"temi-faq-item\"><summary>What is NOT included (compute limits)?<\/summary><div class=\"temi-faq-a\">DEDUCTIBLE RRSP\/TFSA\/RESP, non-refundable credits (medical expenses, donations, public transit, tuition fees), disability credit, professional abatement, workers&#8217; deduction, pension splitting, annuitant\/self-employed HSF, reduced daycare subsidy, public drug plan premium, specific employment deductions. To incorporate these elements: consult a certified accountant or financial planner. <\/div><\/details><details class=\"temi-faq-item\"><summary>How can I check that the calculation is correct?<\/summary><div class=\"temi-faq-a\">Compare with an official tool like <a href=\"https:\/\/www.revenuquebec.ca\/fr\/citoyens\/declaration-de-revenus\/produire-votre-declaration-de-revenus\/calculateur-revenu-disponible\/\" rel=\"nofollow noopener\" target=\"_blank\">Revenu Qu\u00e9bec&#8217;s disposable income calculator<\/a>, <a href=\"https:\/\/www.ey.com\/fr_ca\/tax\/tax-calculators\" rel=\"nofollow noopener\" target=\"_blank\">EY Canada&#8217;s tax calculator<\/a>, or software like TurboTax\/UFile. The spread on the <em>average rate<\/em> should be less than 2-3%. On the <em>statutory marginal<\/em>, identical. For the full METR, few consumer tools display it \u2014 that&#8217;s the added value of our calculator.   <\/div><\/details><details class=\"temi-faq-item\"><summary>How do I reduce my METR?<\/summary><div class=\"temi-faq-a\">Five main levers: <strong>(1) contribute to the RRSP<\/strong> to reduce your taxable income; <strong>(2) contribute to a TFSA<\/strong> (income does not increase, return is tax-free); <strong>(3) splitting<\/strong> pension income with your spouse; <strong>(4) spreading<\/strong> the windfall income over several years; <strong>(5) contribute to the RESP<\/strong> for the children. Each scenario requires personalized advice. <\/div><\/details><details class=\"temi-faq-item\"><summary>Can this calculator replace a tax specialist?<\/summary><div class=\"temi-faq-a\"><strong>No.<\/strong> It is used to <em>visualize the orders of magnitude<\/em> and to understand <em>why earning an extra $1,000 does not bring $1,000 into your pocket<\/em>. To file your return: TurboTax, UFile, or UFile. To optimize seriously (RRSP vs. TFSA, retirement, asset sales): a CPA accountant or a certified financial planner (F. Pl.) \u2014 often a few hundred dollars that amortize on decisions of $10,000-100,000.  <\/div><\/details>\n\n  <h2><span class=\"ez-toc-section\" id=\"Other-Assur360-simulators\"><\/span>Other Assur360 simulators<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div class=\"temi-aussi\"><a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/quebec-tax-savings-plan-comparator-2026-rrsp-tfsa-fhsa-resp-vrsp\/\">RRSP <span>vs. TFSA vs. FHSA<\/span> <strong>Tax Regimes<\/strong><\/a><a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/quebec-emergency-fund-calculator-2026-how-much-to-save-to-protect-yourself\/\"><strong>Emergency Fund How<\/strong><span>Much to Save<\/span><\/a><a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/life-insurance-needs-calculator-2026-dime-method-replacement-capital\/\"><strong>Life insurance<\/strong><span>DIME method + capital<\/span><\/a><a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/disability-insurance-needs-calculator-2026-optimal-waiting-period-assur360\/\"><strong>Disability insurance<\/strong><span>Optimal waiting period<\/span><\/a><a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/mortgage-insurance-calculator-bank-vs-personal-life-insurance\/\"><strong>Bank Mortgage<\/strong><span>vs Personal Life<\/span><\/a><a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/true-5-year-cost-of-vehicle-ownership-quebec-calculator-2026\/\"><strong>Vehicle cost<\/strong><span>Over 5 years, all included<\/span><\/a><a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/electric-vehicle-vs-gasoline-when-does-it-pay-off-qc-calculator-2026\/\"><strong>EV vs petrol<\/strong><span>When is it profitable?<\/span><\/a><a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/\"><strong>All<\/strong><span>Assur360 Hub simulators<\/span><\/a><\/div>\n<\/section>\n\n<section class=\"temi-cta\">\n  <h2><span class=\"ez-toc-section\" id=\"Beyond-the-numbers-theres-your-real-life\"><\/span>Beyond the numbers, there&#8217;s your real life.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Our broker can help you turn these calculations into concrete decisions: life insurance, disability, mortgage, emergency fund. Free consultation with no obligation. <\/p>\n  <div class=\"temi-cta-btns\">\n    <a href=\"\/soumission\/\" class=\"primary\">Free<\/a>\n quote<a href=\"tel:+18663574451\" class=\"secondary\">1-866-357-4451<\/a>    \n  <\/div>\n<\/section>\n<p><script>(function() {\n  'use strict';\n  const PARAMS_URL = '\/wp-json\/temi\/v1\/params';\n  let PARAMS = null;\n  let chart = {currentIncome: 0};<\/script><\/p>\n<p>  function fmtPct(n) { return (n*100).toFixed(1) + &#8216;%&#8217;; }\n  function fmtMoney(n) { return new Intl.NumberFormat(&#8216;fr-CA&#8217;, {style:&#8217;currency&#8217;, currency:&#8217;CAD&#8217;, maximumFractionDigits:0}).format(n); }\n  function fmt(n) { return new Intl.NumberFormat(&#8216;fr-CA&#8217;).format(n); }<\/p>\n<p>  \/\/ Imp\u00f4t progressif total \u00e0 un revenu donn\u00e9\n  function progressiveTax(income, brackets) {\n    let tax = 0, lower = 0;\n    for (const b of brackets) {\n      const upper = b.to === null ? Infinity : b.to;\n      if (income &lt;= lower) break;\n      const taxable = Math.min(income, upper) &#8211; lower;\n      tax += taxable * b.rate;\n      if (income &lt;= upper) break;\n      lower = upper;\n    }\n    return tax;\n  }<\/p>\n<p>  function bracketRate(income, brackets) {\n    let lower = 0;\n    for (const b of brackets) {\n      const upper = b.to === null ? Infinity : b.to;\n      if (income &lt;= upper) return b.rate;\n      lower = upper;\n    }\n    return brackets[brackets.length-1].rate;\n  }<\/p>\n<p>  function rrqContribution(income, p) {\n    const ex = p.rrq.exemption;\n    if (income &lt;= ex) return 0;\n    const tier1 = Math.max(0, Math.min(income, p.rrq.mga_1) &#8211; ex);\n    let cot = tier1 * (p.rrq.rate_base + p.rrq.rate_supp_1);\n    if (income > p.rrq.mga_1) {\n      const tier2 = Math.min(income, p.rrq.mga_2) &#8211; p.rrq.mga_1;\n      cot += tier2 * p.rrq.rate_supp_2;\n    }\n    return cot;\n  }<\/p>\n<p>  function aeContribution(income, p) {\n    return Math.min(income, p.ae.max_insurable) * p.ae.rate_qc;\n  }<\/p>\n<p>  function rqapContribution(income, p) {\n    return Math.min(income, p.rqap.max_insurable) * p.rqap.rate_employee;\n  }<\/p>\n<p>  \/\/ Marginal rates par composante\n  function rrqMarg(income, p) {\n    if (income &lt;= p.rrq.exemption) return 0;\n    if (income &lt;= p.rrq.mga_1) return p.rrq.rate_base + p.rrq.rate_supp_1;\n    if (income &lt;= p.rrq.mga_2) return p.rrq.rate_supp_2;\n    return 0;\n  }\n  function aeMarg(income, p) { return income &lt;p.ae.max_insurable ? p.ae.rate_qc : 0; } function rqapMarg(income, p) { return income &lt;p.rqap.max_insurable ? p.rqap.rate_employee : 0; } function aceMarg(income, kids, p) { if (kids &lt;= 0) return 0; const k = Math.min(kids, 4); if (income &lt;p.ace.low_threshold) return 0; if (income &lt;p.ace.high_threshold) return p.ace.low_rate[k] || 0; return p.ace.high_rate[k] || 0; } function alloFamilleMarg(income, kids, family, p) { if (kids &lt;= 0) return 0; const seuil = family === &#8216;monoparental&#8217; ? p.allocation_famille_qc.phaseout_single : p.allocation_famille_qc.phaseout_couple; return income <seuil ? 0 : p.allocation_famille_qc.phaseout_rate; } function tpsMarg(income, p) { return income> p.tps_credit.phaseout_start ? p.tps_credit.phaseout_rate : 0; }\n  function solidariteMarg(income, p) { return income > p.solidarite.phaseout_start ? p.solidarite.phaseout_rate : 0; }\n  function psvMarg(income, age, p) { return age >= 65 &#038;&#038; income > p.psv_clawback.threshold ? p.psv_clawback.rate : 0; }<\/seuil><\/p>\n<p>  \/\/ ===== TEMI : marginal effectif (somme de toutes les charges sur prochain dollar) =====\n  function temiAt(income, profile, p) {\n    const fedRaw = bracketRate(income, p.fed_brackets);\n    const fed = fedRaw * (1 &#8211; p.fed_qc_abatement);\n    const qc = bracketRate(income, p.qc_brackets);\n    const stat = fed + qc;  \/\/ taux marginal STATUTAIRE\n    const rrq = rrqMarg(income, p);\n    const ae = aeMarg(income, p);\n    const rqap = rqapMarg(income, p);\n    const tps = tpsMarg(income, p);\n    const sol = solidariteMarg(income, p);\n    const ace = aceMarg(income, profile.kids, p);\n    const allo = alloFamilleMarg(income, profile.kids, profile.family, p);\n    const psv = psvMarg(income, profile.age, p);\n    const total = stat + rrq + ae + rqap + tps + sol + ace + allo + psv;\n    return {\n      total, stat,\n      breakdown: {\n        &#8216;Imp\u00f4t f\u00e9d\u00e9ral (apr\u00e8s abattement Qc)&#8217;: fed,\n        &#8216;Imp\u00f4t Qu\u00e9bec&#8217;: qc,\n        &#8216;RRQ (de base + suppl.)&#8217;: rrq,\n        &#8216;Assurance-emploi (AE)&#8217;: ae,\n        &#8216;RQAP&#8217;: rqap,\n        &#8216;Perte cr\u00e9dit TPS&#8217;: tps,\n        &#8216;Perte cr\u00e9dit solidarit\u00e9&#8217;: sol,\n        &#8216;R\u00e9cup\u00e9ration ACE&#8217;: ace,\n        &#8216;R\u00e9duction Allocation famille Qc&#8217;: allo,\n        &#8216;R\u00e9cup\u00e9ration PSV (65+)&#8217;: psv,\n      }\n    };\n  }<\/p>\n<p>  \/\/ ===== Taux effectif moyen : imp\u00f4ts + cotisations \/ revenu =====\n  function averageRate(income, profile, p) {\n    if (income &lt;= 0) return 0;\n    \/\/ Federal tax\n    const fedTax = progressiveTax(income, p.fed_brackets);\n    const fedCredit = p.basic_personal_amount.federal * p.fed_brackets[0].rate;\n    const fedNet = Math.max(0, fedTax &#8211; fedCredit) * (1 &#8211; p.fed_qc_abatement);\n    \/\/ Quebec tax\n    const qcTax = progressiveTax(income, p.qc_brackets);\n    const qcCredit = p.basic_personal_amount.quebec * p.qc_brackets[0].rate;\n    const qcNet = Math.max(0, qcTax &#8211; qcCredit);\n    \/\/ Cotisations\n    const rrq = rrqContribution(income, p);\n    const ae = aeContribution(income, p);\n    const rqap = rqapContribution(income, p);\n    const totalNet = fedNet + qcNet + rrq + ae + rqap;\n    return totalNet \/ income;\n  }<\/p>\n<p>  function buildCurve(profile, p) {\n    const points = [];\n    for (let inc = 5000; inc &lt;= 200000; inc += 1000) {\n      points.push({x: inc, y: temiAt(inc, profile, p).total});\n    }\n    return points;\n  }<\/p>\n<p>  function renderChart(curve, currentIncome, p) {\n    const W = 720, H = 280, padL = 50, padR = 12, padT = 16, padB = 30;\n    const xmin = 5000, xmax = 200000, ymin = 0, ymax = 0.85;\n    const xS = x => padL + (x &#8211; xmin) \/ (xmax &#8211; xmin) * (W &#8211; padL &#8211; padR);\n    const yS = y => H &#8211; padB &#8211; (y &#8211; ymin) \/ (ymax &#8211; ymin) * (H &#8211; padT &#8211; padB);\n    let path = &#8220;M &#8221; + xS(curve[0].x) + &#8221; &#8221; + yS(curve[0].y);\n    for (let i = 1; i &lt; curve.length; i++) path += &#8221; L &#8221; + xS(curve[i].x) + &#8221; &#8221; + yS(curve[i].y);\n    let xticks = &#8221;, yticks = &#8221;;\n    for (let v = 25000; v &lt;= xmax; v += 25000) {\n      xticks += `<line x1=\"${xS(v)}\" y1=\"${H-padB}\" x2=\"${xS(v)}\" y2=\"${H-padB+5}\" stroke=\"#0d1f2d33\"><\/line><text x=\"${xS(v)}\" y=\"${H-padB+18}\" font-size=\"10\" fill=\"#0d1f2d99\" text-anchor=\"middle\" font-family=\"DM Sans, sans-serif\">${fmt(v\/1000)}k<\/text>`;\n    }\n    for (let v = 0.1; v &lt;= 0.8; v += 0.1) {\n      yticks += `<line x1=\"${padL}\" y1=\"${yS(v)}\" x2=\"${W-padR}\" y2=\"${yS(v)}\" stroke=\"#0d1f2d11\"><\/line><text x=\"${padL-6}\" y=\"${yS(v)+3}\" font-size=\"10\" fill=\"#0d1f2d99\" text-anchor=\"end\" font-family=\"DM Sans, sans-serif\">${(v*100).toFixed(0)}%<\/text>`;\n    }\n    const ix = xS(currentIncome), iy = yS(temiAt(currentIncome, chart.profile, p).total);\n    return `<svg viewBox=\"0 0 ${W} ${H}\" style=\"max-width:100%;height:auto;display:block;background:#fff;border-radius:8px\"><rect x=\"${padL}\" y=\"${padT}\" width=\"${W-padL-padR}\" height=\"${H-padT-padB}\" fill=\"#f8fafc\"><\/rect>${yticks}${xticks}\n      <path d=\"${path}\" stroke=\"#10c4c7\" stroke-width=\"2.4\" fill=\"none\"><\/path><line x1=\"${ix}\" y1=\"${padT}\" x2=\"${ix}\" y2=\"${H-padB}\" stroke=\"#0d1f2d\" stroke-width=\"1.5\" stroke-dasharray=\"4 3\"><\/line><circle cx=\"${ix}\" cy=\"${iy}\" r=\"6\" fill=\"#0d1f2d\" stroke=\"#fff\" stroke-width=\"2\"><\/circle><text x=\"${padL}\" y=\"${padT-2}\" font-size=\"11\" fill=\"#0d1f2d\" font-family=\"DM Sans, sans-serif\" font-weight=\"600\">TEMI sur le prochain dollar gagn\u00e9 (%)<\/text><\/svg>`;\n  }<\/p>\n<p>  function renderBreakdown(comp) {\n    const colors = {\n      &#8216;Imp\u00f4t f\u00e9d\u00e9ral (apr\u00e8s abattement Qc)&#8217;: &#8216;#0d1f2d&#8217;,\n      &#8216;Imp\u00f4t Qu\u00e9bec&#8217;: &#8216;#10c4c7&#8217;,\n      &#8216;RRQ (de base + suppl.)&#8217;: &#8216;#f59e0b&#8217;,\n      &#8216;Assurance-emploi (AE)&#8217;: &#8216;#a78bfa&#8217;,\n      &#8216;RQAP&#8217;: &#8216;#ec4899&#8217;,\n      &#8216;Perte cr\u00e9dit TPS&#8217;: &#8216;#84cc16&#8217;,\n      &#8216;Perte cr\u00e9dit solidarit\u00e9&#8217;: &#8216;#06b6d4&#8217;,\n      &#8216;R\u00e9cup\u00e9ration ACE&#8217;: &#8216;#ef4444&#8217;,\n      &#8216;R\u00e9duction Allocation famille Qc&#8217;: &#8216;#f97316&#8217;,\n      &#8216;R\u00e9cup\u00e9ration PSV (65+)&#8217;: &#8216;#7c3aed&#8217;,\n    };\n    const items = Object.entries(comp).filter(([_, v]) => v > 0.0005);\n    const total = items.reduce((s, [_, v]) => s + v, 0);\n    if (total === 0) return &#8216;<\/p>\n<p style=\"color:#64748b;font-size:14px\">Aucune charge marginale d\u00e9tect\u00e9e \u00e0 ce niveau de revenu.<\/p>\n<p>&#8216;;\n    let bar = &#8221;, rows = &#8221;;\n    items.sort((a, b) => b[1] &#8211; a[1]);\n    for (const [k, v] of items) {\n      const pct = (v \/ total) * 100;\n      bar += `<\/p>\n<div title=\"${k}: ${fmtPct(v)}\" style=\"background:${colors[k]||'#999'};width:${pct}%;height:100%\"><\/div>\n<p>`;\n      rows += `<\/p>\n<div class=\"temi-row\"><span class=\"temi-dot\" style=\"background:${colors[k]||'#999'}\"><\/span><span class=\"temi-row-name\">${k}<\/span><span class=\"temi-row-val\">${fmtPct(v)}<\/span><\/div>\n<p>`;\n    }\n    return `<\/p>\n<div class=\"temi-bar\">${bar}<\/div>\n<div class=\"temi-rows\">${rows}<\/div>\n<p>`;\n  }<\/p>\n<p>  function update() {\n    if (!PARAMS) return;\n    const income = parseInt(document.getElementById(&#8216;temi-income&#8217;).value) || 0;\n    const family = document.getElementById(&#8216;temi-family&#8217;).value;\n    const kids = parseInt(document.getElementById(&#8216;temi-kids&#8217;).value) || 0;\n    const age = parseInt(document.getElementById(&#8216;temi-age&#8217;).value) || 35;\n    chart.profile = {family, kids, age};\n    chart.currentIncome = income;\n    document.getElementById(&#8216;temi-income-out&#8217;).textContent = fmtMoney(income);\n    const t = temiAt(income, chart.profile, PARAMS);\n    const avgRate = averageRate(income, chart.profile, PARAMS);\n    document.getElementById(&#8216;temi-stat-pct&#8217;).textContent = fmtPct(t.stat);\n    document.getElementById(&#8216;temi-temi-pct&#8217;).textContent = fmtPct(t.total);\n    document.getElementById(&#8216;temi-avg-pct&#8217;).textContent = fmtPct(avgRate);\n    const lose = Math.round(t.total * 1000);\n    document.getElementById(&#8216;temi-keep-1k&#8217;).textContent = fmtMoney(1000 &#8211; lose);\n    document.getElementById(&#8216;temi-lose-1k&#8217;).textContent = fmtMoney(lose);\n    document.getElementById(&#8216;temi-breakdown&#8217;).innerHTML = renderBreakdown(t.breakdown);\n    document.getElementById(&#8216;temi-chart&#8217;).innerHTML = renderChart(buildCurve(chart.profile, PARAMS), income, PARAMS);\n  }<\/p>\n<p>  function init() {\n    fetch(PARAMS_URL).then(r => r.json()).then(p => {\n      PARAMS = p;\n      document.getElementById(&#8216;temi-meta&#8217;).textContent = `Param\u00e8tres ${p.year} \u00b7 mis \u00e0 jour le ${p.last_updated}`;\n      [&#8216;temi-income&#8217;, &#8216;temi-family&#8217;, &#8216;temi-kids&#8217;, &#8216;temi-age&#8217;].forEach(id => {\n        const el = document.getElementById(id);\n        if (el) {\n          el.addEventListener(&#8216;input&#8217;, update);\n          el.addEventListener(&#8216;change&#8217;, update);\n        }\n      });\n      update();\n    }).catch(() => {\n      document.getElementById(&#8216;temi-meta&#8217;).textContent = &#8216;Erreur de chargement des param\u00e8tres fiscaux.&#8217;;\n    });\n  }\n  if (document.readyState === &#8216;loading&#8217;) document.addEventListener(&#8216;DOMContentLoaded&#8217;, init);\n  else init();\n})();\n<\/p>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Quelle est la diff\u00e9rence entre les trois taux affich\u00e9s ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Taux marginal statutaire : pourcentage selon les seules tranches d'imp\u00f4t (f\u00e9d + Qc, apr\u00e8s abattement qu\u00e9b\u00e9cois). C'est ce que les m\u00e9dias affichent souvent. TEMI (taux marginal effectif) : ajoute les cotisations (RRQ, AE, RQAP) et la perte de cr\u00e9dits remboursables (TPS, ACE, allocation famille, PSV). C'est votre vrai co\u00fbt sur le prochain dollar. Taux effectif moyen : imp\u00f4ts + cotisations sur l'ensemble de votre revenu \u2014 toujours plus bas que le taux marginal.\"}}, {\"@type\": \"Question\", \"name\": \"Pourquoi mon TEMI peut atteindre 60-70 % \u00e0 certains paliers ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Parce que plusieurs phase-outs s'additionnent. Une famille \u00e0 50 000 $ avec deux enfants peut perdre 13,5 % d'ACE + 4 % d'allocation famille + 5 % de TPS + 6 % de solidarit\u00e9, en plus de payer ~28 % d'imp\u00f4t et 5,9 % de RRQ. Total : 60-65 % de TEMI sur le prochain 1 000 $ gagn\u00e9. C'est math\u00e9matique, pas une opinion.\"}}, {\"@type\": \"Question\", \"name\": \"\u00ab Vrai taux d'imposition \u00bb \u2014 est-ce un terme officiel ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Il n'existe pas de d\u00e9finition l\u00e9gale unique. Les fiscalistes parlent de \u00ab TEMI \u00bb (taux marginal effectif d'imposition). \u00ab Vrai taux \u00bb est une simplification p\u00e9dagogique. Ce calculateur applique la m\u00e9thode TEMI : additionner toutes les charges marginales qui s'appliquent au prochain dollar gagn\u00e9. Les courbes officielles publi\u00e9es au Qu\u00e9bec par Revenu Qu\u00e9bec et les fiscalistes sp\u00e9cialis\u00e9s utilisent la m\u00eame approche.\"}}, {\"@type\": \"Question\", \"name\": \"Qu'est-ce qui est inclus dans le calcul ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Imp\u00f4ts : f\u00e9d avec abattement Qc 16,5 % + provincial Qc + montant personnel de base. Cotisations : RRQ (de base + supp.), assurance-emploi (taux Qc), RQAP. Phase-outs : cr\u00e9dit TPS, cr\u00e9dit solidarit\u00e9 Qc, ACE (selon # enfants \u00d7 tranche), allocation famille Qc, r\u00e9cup\u00e9ration PSV (65+).\"}}, {\"@type\": \"Question\", \"name\": \"Qu'est-ce qui n'est PAS inclus (limites du calcul) ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"REER\/CELI\/REEE d\u00e9ductibles, cr\u00e9dits non remboursables (frais m\u00e9dicaux, dons, transport en commun, frais de scolarit\u00e9), cr\u00e9dit pour personne handicap\u00e9e, abattement professionnel, d\u00e9duction pour travailleurs, fractionnement de pension, FSS pour rentier\/auto-employ\u00e9, subvention de garderie r\u00e9duite, prime du r\u00e9gime public d'assurance m\u00e9dicaments, d\u00e9ductions d'emploi sp\u00e9cifiques. Pour int\u00e9grer ces \u00e9l\u00e9ments : consultez un comptable ou un planificateur financier accr\u00e9dit\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Comment v\u00e9rifier que le calcul est juste ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Comparez avec un outil officiel comme le calculateur de revenu disponible de Revenu Qu\u00e9bec, le calculateur d'imp\u00f4t EY Canada, ou un logiciel comme TurboImp\u00f4t\/UFile. L'\u00e9cart sur le taux moyen devrait \u00eatre inf\u00e9rieur \u00e0 2-3 %. Sur le marginal statutaire, identique. Pour le TEMI complet, peu d'outils grand public l'affichent \u2014 c'est la valeur ajout\u00e9e de notre calculateur.\"}}, {\"@type\": \"Question\", \"name\": \"Comment r\u00e9duire mon TEMI ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Cinq leviers principaux : (1) cotiser au REER pour r\u00e9duire votre revenu imposable; (2) cotiser au CELI (le revenu n'augmente pas, le rendement \u00e9chappe \u00e0 l'imp\u00f4t); (3) fractionner le revenu de pension avec votre conjoint; (4) \u00e9taler les revenus exceptionnels sur plusieurs ann\u00e9es; (5) cotiser au REEE pour les enfants. Chaque sc\u00e9nario n\u00e9cessite un conseil personnalis\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Ce calculateur peut-il remplacer un fiscaliste ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Il sert \u00e0 visualiser les ordres de grandeur et \u00e0 comprendre pourquoi gagner 1 000 $ de plus n'apporte pas 1 000 $ dans la poche. Pour produire votre d\u00e9claration : TurboImp\u00f4t, Imp\u00f4tExpert ou UFile. Pour optimiser s\u00e9rieusement (REER vs CELI, retraite, vente d'actifs) : un comptable CPA ou un planificateur financier accr\u00e9dit\u00e9 (Pl. Fin.) \u2014 souvent quelques centaines de dollars qui s'amortissent sur des d\u00e9cisions de 10 000-100 000 $.\"}}]}\n<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Simulateurs\", \"item\": \"https:\/\/www.assur360.ca\/simulation\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Vrai taux d'imposition\", \"item\": \"https:\/\/www.assur360.ca\/simulation\/vrai-taux-imposition-quebec\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Three tax rates explained: statutory marginal, TEMI (effective marginal) and average workforce. Quebec 2025 calculator with interactive curves. <\/p>\n","protected":false},"author":1,"featured_media":0,"parent":58627,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"True Tax Rate in Quebec \u2014 TEMI 2025 Calculator","_seopress_titles_desc":"3 rates explained: statutory marginal, METR, average number of employees. Comparable with Revenu Qu\u00e9bec, EY, TurboTax calculators. Annual update.  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