Tax brackets are not indexed forward

Federal and Ontario brackets, personal amounts and the CPP/EI ceilings are indexed annually to inflation. The values for any future year are not published, and cannot be, because they depend on a CPI series that does not exist yet.

What the engine does

It taxes every year of the projection with the 2026 figures, cited to the registry, and says so.

Because incomes in the plan do grow with inflation while the brackets stay put, a salary drifts into higher brackets over time — real bracket creep the tax system removes each January. The projected tax bill in year 20 is therefore too high, and net worth too low.

Why not index them

Indexing would mean inventing a CPI path and presenting a made-up bracket as a cited one. The house rule is that a number a user cannot account for does not appear, so the engine prefers a stated, conservative simplification to a plausible fiction. When a year's real figures are published, they go in the registry with their own effective date.