Official 2026 QPP reference points
The YMPE is $74,600 and the YAMPE is $85,000. The pension may start from age 60 to 72.
The averages and maximums below are official 2026 reference figures, not a personal estimate. Your amount depends on your record.
QPP benefit levels by claiming age
Start at age 60
The reduction varies from 0.5% to 0.6% per month based on the contribution record and pension amount.
Start at age 65
No age-based reduction or enhancement.
Start at age 70
The pension increases by 0.7% per month after age 65 and stops increasing at age 72.
Start at age 72
The pension increases by 0.7% per month after age 65 and stops increasing at age 72.
QPP vs CPP
| Aspect | QPP (Quebec) | CPP (Canada) |
|---|---|---|
| Who contributes? | Workers covered in Quebec | Workers in Canada outside Quebec |
| 2026 rate below the YMPE | 6.30% each for employee and employer | 5.95% each for employee and employer |
| 2026 second earnings band | 4% from $74,600 to $85,000 | 4% on the same band, outside Quebec |
| Start age | Age 60 to 72 | Age 60 to 70 |
| Maximum monthly amount at 65 | $1,507.65 | $1,507.65 |
2026 QPP contribution examples
The employee rate is 6.30% between the $3,500 exemption and the YMPE, then 4% between the YMPE and YAMPE. The employer pays the same amount.
Examples reproduced from the 2026 rates; they cannot be used to infer a pension amount.
Frequently asked questions
How is my QPP pension calculated?
It depends on the employment earnings recorded in your file, contribution period, applicable exclusions and claiming age. Up to 15% of the lowest-earning months may be excluded when advantageous. A recent salary alone cannot determine the pension.
Do Quebec workers also contribute to CPP2?
Someone who works only in Quebec contributes to the QPP, including its second additional contribution when earnings exceed the YMPE. That work is not subject to CPP2.
Is the QPP pension taxable?
Yes. QPP pension income is taxable, and income tax is not withheld automatically; source deductions can be requested.
What is the best age to start?
There is no universally optimal age. Income needs, health, other income sources and the desired protection against longevity risk should be considered together.
Check the official source
Use your statement of participation in My Account for an estimate based on your actual record.
Explore programs related to your situation
The questionnaire suggests leads to verify. It does not calculate your QPP pension or confirm eligibility.