Plan your Canadian money with confidence

Take-Home Pay (CA)

Federal + provincial + CPP/EI 2026.

Federal Tax

CRA federal brackets.

Provincial Tax

Any of 13 provinces/territories.

Quebec Tax

Quebec-specific brackets.

Marginal Tax Rate

Your top combined rate.

CPP/EI Deductions

Payroll deductions.

Capital Gains

Flat 50% inclusion.

Inclusion Rate

The 50% rate explained.

Crypto Tax

Capital gains on crypto.

Eligible Dividends

Gross-up + credit.

Non-Eligible Dividends

Small-business dividends.

Bonus Tax

Tax on a bonus.

GST/HST

Province-specific.

Tax Instalments

Quarterly instalments.

Ontario

ON tax + CPP + EI.

British Columbia

BC tax + CPP + EI.

Alberta

AB tax + CPP + EI.

Quebec

QC tax + QPP + QPIP + abatement.

Manitoba

MB tax + CPP + EI.

Saskatchewan

SK tax + CPP + EI.

Nova Scotia

NS tax + CPP + EI.

New Brunswick

NB tax + CPP + EI.

Newfoundland & Labrador

NL tax + CPP + EI.

Prince Edward Island

PE tax + CPP + EI.

Yukon

YT tax + CPP + EI.

Northwest Territories

NT tax + CPP + EI.

Nunavut

NU tax + CPP + EI.

RRSP Calculator

Annual limit + tax savings.

TFSA Calculator

Cumulative room since 2009.

RRSP vs TFSA

Which for your bracket?

FHSA

First Home Savings Account.

RRSP/FHSA/TFSA

Three-way comparison.

Home Buyers Plan

$60K RRSP withdrawal.

RRIF Minimum

Mandatory withdrawals.

CPP Retirement

Estimate your CPP.

CPP Start Age

60 vs 65 vs 70 breakeven.

OAS

Old Age Security.

OAS Clawback

Recovery tax.

Retirement Income

Drawdown plan.

Pension Splitting

Save tax with a spouse.

RESP

Education savings + CESG.

Spousal RRSP

Income-split in retirement.

Mortgage

Payment + amortization.

Affordability

How much you can borrow.

Stress Test

Min 5.25% / contract+2%.

Prepayment

Interest + time saved.

CMHC Insurance

Default-insurance premium.

HELOC

Home equity line.

Land Transfer Tax

By province + Toronto.

Property Tax

Municipal estimate.

Rental Property ROI

Cash flow + cap rate.

Principal Residence

Capital gains exemption.

Corporate Tax

Small-business + general rate.

Incorporate vs Sole Prop

Structure comparison.

Self-Employment Tax

CPP both halves.

Dividend vs Salary

Owner pay mix.

Employer CPP/EI Cost

Total employment cost.

Net Worth

Assets minus liabilities.

FIRE

Financial independence number.

Emergency Fund

3-12 months of expenses.

Compound Interest

Growth over time.

Inflation

Real purchasing power.

Debt Payoff

Avalanche vs snowball.

Auto Loan

Monthly + interest.

Personal Loan

Repayment schedule.

Severance Pay

Statutory entitlement.

Probate Fee

Estate fees by province.

Canada Child Benefit

CCB by income + kids.

GST/HST Credit

Quarterly credit.

Carbon Rebate

Canada Carbon Rebate.

Workers Benefit

CWB for low income.

Disability Tax Credit

DTC value.

Medical Expense Credit

METC threshold.

Charitable Donation

Federal + provincial credit.

Child Care Deduction

Deductible child care.