100% free · for Québec

Your finances,
finally simple.

Clear tools, built for Québec, to understand your money, plan without stress and make better decisions. Income tax, QPP, QST: the calculations follow Québec's 2026 tax rules.

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My net salary

$
$20,000$160,000
Your estimated net income$3,824 / month

That's about $45,893 per year

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Simplified estimate for Québec. For information only.

WHERE TO START

You are…

Employee

Net salary, budget, RRSP/TFSA, RRSP withdrawal — understand your pay and your savings.

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Self-employed

Real net income, hourly rate to charge, GST/QST — invoice fairly and stay in control of your taxes.

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FOR EVERYDAY LIFE

A hand with your
personal finances

No need to be an expert. Answer a few questions and get a clear answer.

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Net salary

See how much you really keep after deductions.

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RRSP or TFSA

Compare your savings and estimate your tax savings.

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Budget

Split up your spending and see where your money goes.

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RRSP withdrawal

The real tax on a withdrawal, beyond the withholding — and the traps.

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FOR THE SELF-EMPLOYED

Run your work.
We simplify the numbers.

Quick answers to invoice fairly, plan your taxes and know your real income.

Self-employment income

Estimate what's left after your expenses, taxes and contributions.

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Invoice

Create a clean invoice with GST/QST, ready to send as a PDF.

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Tax to set aside

What share of each payment to reserve for tax and contributions.

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Hourly rate

The minimum to charge to reach the net income you're aiming for.

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GST and QST

Do you have to charge tax? How much to collect, then remit?

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WHY FINOUTIL

Your numbers,
kept with you.

Real money questions, clear answers — no jargon, and no account to create.

100% private

Everything is calculated in your browser. Your amounts are never sent to a server and stay on your device.

Up to date for 2026

Income tax and contribution brackets checked on July 12, 2026 against official sources.

Our methodology

We inform, without judging

Assumptions explained and numbers shown. The decision is yours.

About Finoutil
Simple and transparentCalculations explained, without jargon.
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