Tool · Updated August 10, 2026

Funeral cost estimator

Add up your expense items, then subtract the Québec Pension Plan (QPP) death benefit to see the amount your family would actually be left to pay. No insurance price is calculated here.

This tool does your own arithmetic, in your browser. It does not calculate a premium and it transmits nothing: no figure you enter here ever reaches us. The result is an estimate based on your numbers, not a quote. Learn more.

Enter the amounts from your funeral quotes. We supply no price list: the tool adds up your figures and subtracts a public benefit from them. It shows no premium and no insurance price.

The items below follow Retraite Québec's list. For reimbursement out of the death benefit, Retraite Québec (2026) publishes a list — which it presents itself as non-exhaustive — of accepted expenses, and it also names two categories it refuses. We reproduced that structure as is, because it determines what will and will not be reimbursed to you.

Two reference points, for information only. According to the Fédération des coopératives funéraires du Québec (page accessed in 2026), citing a survey by the Corporation des thanatologues du Québec of its roughly 115 members, average funeral costs come to $5,700 at private establishments in Québec; Alain Leclerc, the Fédération's executive director, puts the cost at a funeral cooperative at around $4,000. These amounts are not pre-filled: they do not replace a written quote.

1. Expenses recognized by Retraite Québec

These are the items Retraite Québec (2026) agrees to reimburse, on presentation of receipts, up to a maximum of $2,500.

Funeral director's services Direction, coordination and the firm's administrative costs

Transport, storage and preservation of the body

Embalming of the body Required if there is a visitation

Casket Purchase, or rental for the visitation in the case of a cremation

Urn, memorial jewellery, keepsake container, memorial tree

Cremation, burial or aquamation The act of disposing of the body itself

Visitation at the funeral home and funeral service

Cemetery plot, niche or crypt Enter only the share attributable to the deceased (see the note below)

Headstone or inscription Here too, only the share attributable to the deceased

Publication of death notices

Thank-you cards, memorial bookmarks

Taxes on the expenses above Retraite Québec recognizes them as eligible costs

On the plot and the monument, Retraite Québec (2026) recognizes only the portion incurred for the deceased. Its own example: for an $8,000 monument paid for four people, it would recognize $2,000.

2. Expenses Retraite Québec excludes

These two items turn up on almost every family's bill, and Retraite Québec (2026) names them explicitly as not reimbursed. They count in your total, never in the reimbursement.

Flowers

Reception after the funeral Hall rental, catering

3. Other expenses

These items do not appear on the published list. To be cautious, we do not count them in the estimated reimbursement.

Copies of the act of death and certificates Directeur de l'état civil, Québec's registrar of civil status

Other costs

4. The QPP death benefit The deceased had contributed enough to the Québec Pension Plan According to Retraite Québec (2026), the benefit is paid only on that condition, and it has to be applied for — nothing is automatic. Uncheck this if you are not certain. The funeral is paid for by a prearranged funeral contract taken out and paid for by the deceased themselves Retraite Québec (2026) is categorical: those costs are not eligible and cannot be reimbursed out of the death benefit. Checking this box brings the estimated reimbursement down to zero.

The total updates as you type.

What would be left to pay

Calculated from the amounts you entered.

Expenses recognized by Retraite Québec$0

Excluded expenses (flowers, reception)$0

Other expenses$0

Total cost of the funeral$0

QPP death benefit (maximum $2,500)$0

Left for your family to pay $0

Nothing to calculate yet. Enter at least one amount above.

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Sources for the public figures used

Retraite Québec, “The death benefit” — maximum of $2,500, non-exhaustive list of accepted expenses, exclusion of flowers and the reception, the pro rata rule on the plot and the monument, and the ineligibility of prearranged funerals paid for by the deceased (accessed August 2026): retraitequebec.gouv.qc.ca
Fédération des coopératives funéraires du Québec, “Combien ça coûte mourir ?” — $5,700 at a private establishment according to a survey by the Corporation des thanatologues du Québec, roughly $4,000 at a cooperative according to Alain Leclerc (page accessed in 2026): fcfq.coop
Our detailed guide: Funeral costs in Québec: what $2,500 does not cover

This result is an estimate produced from the amounts you entered yourself. It is not a funeral quote, not an insurance quote, not a price, and not advice. Only a funeral home can give you a written quote, and only Retraite Québec can confirm your entitlement to the death benefit. Nothing you enter in this tool is transmitted, recorded or stored: the entire calculation runs in your browser.

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