payreal: Quebec Take-Home Pay

payreal calculates what actually lands in your bank account after Quebec payroll deductions, using the official 2026 tax tables.

WHAT IT CALCULATES
- Federal tax (2026 brackets, Basic Personal Amount, Canada Employment Amount, Quebec abatement)
- Quebec income tax (2026 brackets, Basic Personal Amount, worker's deduction)
- QPP and QPP2 (Quebec Pension Plan, with enhanced contribution)
- Employment Insurance (Quebec rate)
- Quebec Parental Insurance Plan (QPIP)
- Optional pre-tax RRSP contribution

PAY FREQUENCIES SUPPORTED
- Annual salary
- Monthly
- Bi-weekly
- Weekly
- Hourly (with custom hours-per-week)

WHAT YOU SEE
- Net pay per period and per year
- Total deductions per period
- Bracket-by-bracket federal and Quebec tax breakdown
- Effective tax rate

EXCLUSIVE: RAISE IMPACT CALCULATOR
Tap the trending-up icon on the home screen to open the Raise Impact view. Enter your current salary and a raise amount and payreal shows you the part of the raise that survives after Quebec deductions: the net dollars you actually keep, the marginal tax bite, what gets added to your monthly and biweekly take-home, plus a before/after comparison across every deduction line. It is the simplest answer to "what's this raise really worth after tax in Quebec?"

OFFLINE AND PRIVATE
- Works fully offline. No internet connection is used after install.
- No accounts, no sign-up, no login.
- No tracking, no analytics, no advertising, no third-party SDKs.
- All inputs and history stay on your device. Uninstall the app or use the in-app clear option to delete the data.

LANGUAGE
Bilingual interface — English and French.

PRICING
One-time purchase. No subscriptions, no in-app upgrades, no recurring charges.

LIMITATIONS
payreal is an estimation tool for personal planning and salary negotiation. It is not tax advice and does not replace a chartered accountant. Numbers reflect the 2026 federal and Quebec official rates at the time of release.

SUPPORT
achats@26branding.com — 26 Branding Agency Inc., Montreal QC.