Terms

The short version appears before you first use the tools. This is the same thing, said at greater length. Nothing here is charged for, and nothing here asks you for an account.

Agreeing to these terms

Before you first use a tool, we show a short version of these terms and ask you to agree. Agreeing there means you accept this page. When we change these terms, the tools show the new version and ask you again; the date at the bottom of this page changes too.

This is information, not advice

All the Numbers is a set of tools for modelling financial decisions. It applies published Canadian tax, benefit, mortgage and housing rules to numbers you supply and shows you the result. That is not financial, tax, legal or investment advice, and using it does not create an advisory or client relationship.

All the Numbers is not registered with any securities, insurance or financial-planning regulator. It does not sell, trade or recommend any security, fund or insurance product, and nothing on the site is an offer or a solicitation to buy one.

Advice means someone who knows your full circumstances taking responsibility for a recommendation. This tool knows only what you typed into it. It does not know your job security, your health, your family, your risk tolerance, your other assets, or what you actually want your life to look like — all of which matter more than any projection. Before acting on anything you see here, talk to a qualified professional: an accountant, a fee-only planner, a mortgage broker, a lawyer, depending on the question.

Every output depends on assumptions you chose

A projection is not a prediction. Change the return rate, the inflation rate, or the appreciation rate and the answer changes, often dramatically, and nobody knows which of those is correct — including us. The projection tells you what follows if your assumptions hold. It says nothing about whether they will.

The same is true of the simulations, stress tests, comparisons and searches (such as how much a household could spend): each one runs your plan under assumptions, and a range of outcomes is not a probability that any of them will happen.

This is why the tool shows its assumptions as editable fields rather than burying them, and why it puts the sources for every fixed rule beside the number that uses it.

Rules current as of 2026, and errors are possible

Tax brackets, contribution limits, CMHC premiums, land transfer tax rates and mortgage qualification rules all change. The values here are the ones in effect for 2026, each traceable to its source: CRA, CMHC, OSFI or statute, or, where the official page could only be checked through other published sources, those sources, marked as such on the Sources page. They will go stale, and there can be a gap between a rule changing and this tool reflecting it. We are not obliged to update the tools, the rules or the explanations on this site.

Beyond staleness: software has bugs, and this software is no exception. The engine is extensively tested and its math has been audited, but the content is given in good faith without responsibility for errors or omissions. Verify anything consequential against the linked sources before you rely on it. If you find something wrong, we would genuinely rather know.

Where the model knowingly approximates

Some parts of the model are deliberately simplified, and the tool says so on screen rather than hiding it. Warnings appear directly in the projection — for example when an RRSP withdrawal is taxed at an approximate rate, when a purchase cannot be funded from the cash available, or when income is grown against tax bands that are held flat. Those warnings are part of the output, not a disclaimer to scroll past. Your plan also lists the situations the tools do not model.

Provided as is

The tools and this site are provided as is and as available, and you use them at your own risk. To the extent the law allows, we give no warranty of any kind, express or implied, including of accuracy, completeness, merchantability or fitness for a particular purpose. We do not promise that the site will always be available, will work without interruption, or will be free of errors or harmful code.

Limits on our liability

To the extent the law allows, we are not liable for any loss or damage that comes from using or relying on the tools or this site, or from not being able to use them, whether direct, indirect, incidental or consequential, including lost money, profit, savings or data. If you are unhappy with the tools, your remedy is to stop using them. Nothing here limits liability that the law does not allow to be limited, such as for fraud, or for death or personal injury caused by negligence.

Your rights as a consumer

Nothing in these terms takes away a right you have under the consumer protection law of your province, including Ontario's Consumer Protection Act, 2002 and Quebec's Consumer Protection Act. Where such a law says a term cannot apply to you, that term does not apply, and the rest of these terms still do.

Who the tools are for

The tools are built for people in Canada and use Canadian rules. If you use them from elsewhere, you do so on your own initiative and are responsible for following your local law. They are for your own personal use. Using them to give advice to, or produce reports for, clients or other people as part of a business or professional service, paid or not, needs our written agreement first.

What you may and may not do

You may print, save, export and share your own plans and screenshots of your own results. Please do not copy or republish the site's text, design or code, use automated means to scrape it or load it heavily, try to break or get around its protections, or use it for anything unlawful.

Who owns what

The site's text, design, code and the name All the Numbers belong to us. The plans you enter are yours. The laws, rates and publications we cite belong to the governments and organizations that publish them, and we link to them rather than claim them.

Links to other sites

We link to the Canada Revenue Agency, CMHC, provincial governments and other sources so you can check our numbers. Those sites are not ours. A link is not an endorsement, and we are not responsible for their content or availability.

Your data

Your scenarios stay in your browser. There is no account, and nothing you type reaches our servers, so we cannot read, share, sell or lose your plan. The privacy page explains the mechanics, including what our host can still see.

Because your plan lives only in this browser, keeping it is your responsibility. Clearing your site data deletes it, and we have no copy to restore. Export to a JSON file if it matters to you.

Cost

The tool is currently free and no part of it is behind a payment. If that ever changes, the terms covering payment, refunds and cancellation will be written and reviewed by a lawyer before anyone is charged — not retrofitted afterwards.

Changes to the tools

We may change, add to, or remove parts of the tools, or stop offering them, at any time. Because your plans are kept in your browser, they stay there if the site changes, and you can export them at any time.

Which law applies

These terms are governed by the laws of Ontario and the federal laws of Canada that apply there. This does not take away the protection of the consumer law of the province where you live, or your right to bring a claim in its courts where that law gives you one.

Status of this page

Written in plain language by the people who built the tool, and not yet reviewed by counsel. Legal review is scheduled ahead of any paid tier or account. Version of 31 October 2026.