About
All the Numbers is a set of Canadian financial tools that cite their sources. It exists because the tools that answer these questions either hide the arithmetic, get the Canadian rules wrong, or ask you to hand over your salary and savings to find out.
What it is
A tax, real-estate and investment engine with tools on top of it. It models federal and Ontario income tax from the brackets up — personal amounts, the surtax, the health premium, CPP, CPP2 and EI — and the registered accounts that decide where your next dollar can go: TFSA, FHSA, RRSP with its deduction and its RRIF wind-up, RESP with the education grant, and the Home Buyers’ Plan. On top of that it models a house: the cash to close, the mortgage, what it costs to hold, a rented suite, and the year owning overtakes renting.
What it refuses to do
- Invent a number. Every constant comes from a cited entry with its source and effective date. Where a figure is convention rather than law — a 1% maintenance rule, a heating estimate — it says so. The whole list is on the sources page.
- Hide the math. Any figure leads to the formula that produced it and the rule behind it, on Learn.
- Pretend to know what it does not. The Canada workers benefit, the disability tax credit, the Canada Disability Benefit — each is named where it would change your answer rather than quietly omitted.
- Ask for your data. The projection runs in your browser. There is no account to make and no server holding your salary; see privacy.
- Give advice. It computes; you decide. For a decision this size, talk to a professional — and take the numbers with you.
Who is accountable
It is built by Simon, in Ontario, and the numbers are checked against primary sources — the Income Tax Act, CRA guides and tables, CMHC and OSFI documents — rather than against other calculators. Where a source could not be retrieved automatically, the entry says that too, because pretending otherwise would be a lie about how well we know our own inputs.
Where it is going
The engine is ahead of the interface, deliberately. Ontario, Quebec, British Columbia, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, Newfoundland and Labrador, Prince Edward Island, Yukon, Northwest Territories and Nunavut are in; the other provinces come next, one at a time, as does the retirement layer’s remaining half. What will not change is the shape: one engine for everybody, every number sourced, and nothing on screen you cannot account for.