Every number that decides your money, and where each one comes from.
Canadian financial tools for tax, savings and a home, projected across your life under 2026 rules. Every figure opens to the rule and the source behind it. Every province and territory, Quebec with its own return.
Free · no sign-up · computed in your browser · no tracking · every constant, sourced
Dale earns $96,000 a year in Ontario. Here is where it goes in 2026.
- Federal tax$12,482
- Ontario tax$6,331
- CPP and CPP2$4,646
- EI$1,123
- What you keep$71,418
Then every year, to age 90
Dale and Diane’s net worth, account by account. Each year is run month by month: pay and tax, the home they buy in 2029 and its mortgage, then retirement, CPP, OAS and withdrawals. In today’s dollars.
- TFSA
- RRSP
- FHSA
- Tax refund due in April
- Taxable
- Home
- Mortgage
- Tax bill due in April
Where every dollar of the year goes
Dale’s pay, split as above, joins Diane’s. Then the household’s 2026, as the engine moved it: tax, the rent, what they live on, and what goes into each account.
The rules behind every figure
Tax brackets, payroll ceilings, account limits, benefit clawbacks, mortgage insurance and land transfer tax: a sample of what the engine reads, each value exactly as it appears on the sources page.
793rules, rates and limits in the engine, each with its source. 791 are checked against that source line by line.
- 35%Alberta additional tax for minimum tax: this share of the federal additional tax
- $13,664New Brunswick basic personal amount
- $19,659Nunavut basic personal amount
- $3,500CPP annual basic exemption
- $1,000Prince Edward Island pension income amount, fixed in the statute
- 50%Saskatchewan minimum tax: this share of the federal additional tax
- 8.12%Alberta dividend tax credit on eligible dividends, as a share of the grossed-up dividend
- 8%Manitoba dividend tax credit on eligible dividends, as a share of the grossed-up dividend
- 8.85%Nova Scotia dividend credit on eligible dividends, as a share of the grossed-up dividend
- 11.7%Quebec dividend tax credit on eligible dividends, as a share of the grossed-up dividend
- 50%Capital gains inclusion rate (individuals)
- 15%Non-eligible dividend gross-up factor
- $50,000Lifetime RRSP rollover relief for accumulated income payments, per subscriber
- $500CESG basic annual maximum per beneficiary (the match on the eligible contribution)
- $1,000CESG annual maximum payable including one year of carried-forward room
- $7,200CESG lifetime maximum per beneficiary
- 20%Canada Education Savings Grant basic matching rate on RESP contributions
- $50,000RESP lifetime contribution limit per beneficiary
- $6,883CCB maximum a year per child aged 6–17 at the beginning of the month
- $82,847CCB second threshold: above it the flat amounts plus the lower rates apply
- 5%CGEB reduction rate on AFNI over the phase-out threshold
- $26,865Ontario child benefit reduced when AFNI exceeds this
- 2%OEPTC reduction rate on AFNI over the threshold
- $29,047OEPTC reduction threshold, single under 64 with no children
- $1,507.65QPP retirement pension, monthly maximum at 65
- $877.01CPP retirement pension, average monthly amount for new beneficiaries at age 65
- $1,507.65CPP retirement pension, published monthly maximum at age 65
- $8,226.72GIS maximum a year for each partner where both receive full OAS (set each quarter)
- $10,000GIS income: the next band of combined earnings, of which half is deducted
- $4,000GIS top-up income threshold, pensioner with a spouse, on combined income (unindexed)
- 0%Alberta charges no tax to the buyer on the mortgage default-insurance premium
- $1,500,000Insured mortgage purchase-price cap (price must be strictly below this)
- 10%Minimum down payment rate, portion above first-tier cap
- 4%CMHC premium, 5–9.99% down (LTV 90.01–95%)
- $125Heating estimate for GDS (lender convention)
Add a life event and the whole plan runs again
The same household, one change at a time. Each line is a full projection from the engine, in today’s dollars. In the tools you can add any of these, and rate shocks, job loss or a year off, to your own plan.
- 01
Dale and Diane rent and save
Two salaries, federal and Ontario tax, CPP, EI, rent and spending, projected to age 90.
At 90: $6,966,722
- 02
They buy an $800,000 home in 2029
Down payment, land transfer tax, the mortgage month by month, property tax and upkeep.
At 90: $6,020,568−$0.9M
- 03
A $45,000 car in 2033
Paid from savings in the month it happens; the plan carries on from there.
At 90: $5,839,544−$0.2M
- 04
A $150,000 inheritance in 2048
Not taxed when received; invested from then on.
At 90: $6,096,305+$0.3M
- 05
They each retire at 60 instead of 65
Pay stops, CPP and OAS start when chosen, and the accounts are drawn down in order.
At 90: $4,770,390−$1.3M
Tested against the markets
A Monte Carlo simulation: their plan run through 500 market histories, each year’s returns drawn at random. The bands hold the middle half and the middle 80% of where they end up. In 500 of 500, the money lasts to 90.
At 90, the middle history ends with about $7,905,391 in today’s dollars; one in ten ends with less than $4,293,855, one in ten with more than $14,746,084.
Ask it what if
Each question changes one thing in their plan and runs the whole plan again, or as many runs as it takes to find the answer. Pick a question.
Retirement
Rent, buy or a suite
If they retire at 60, how much can they spend?
$9,500 a month in today’s dollars, against $3,100 today.
The most they can spend each month from 60, besides their home, with the money lasting to 90.
At 90, against their plan (dashed): −$6,033,391
How it works
Step 1 of 3: Answer five pages of questions
Who is in the plan, where you live, when you were born, what you earn, when you stop working, what goes out, what you have saved, your contribution room, and whether a home is in the picture. Everything else starts at a cited default you can see and change.
Step 2 of 3: It applies the Canadian rules
Federal and provincial tax from the brackets up (Ontario, Quebec, British Columbia, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, Prince Edward Island, Yukon, Northwest Territories and Nunavut; Quebec with its own return), CPP or QPP and EI per person, TFSA, FHSA and RRSP room, the Home Buyers’ Plan, CMHC premiums and land transfer tax, month by month to age 90.
Step 3 of 3: Every figure cites its source
The ⓘ beside a figure lists the rules and assumptions behind it, each linked to its source. What the model does not cover is said beside the number it affects.
Fair questions
Is this financial advice?
No. It is an information tool. Outputs are a direct result of the assumptions you choose, computed from cited public rules. Consult a qualified professional before acting.
Where does my data go?
Nowhere. Your plan is computed in your browser and saved only in this browser’s storage. There are no accounts and no analytics, so a breach of our servers could not leak your plan: our servers do not have it.
Are the numbers current?
Rules as of 2026. Every rate, bracket and premium carries its source and effective date, and the whole list is on the sources page, including which figures could only be checked through secondary sources.
What does it cost?
Nothing today. When there is a price, what it buys is depth, control and permanence, never a better answer, and never a number you can no longer see.