Canadian Personal Finance Hub
Tools, Data & Guides 2026
27 free Canadian calculators, Statistics Canada net-worth benchmarks, and CRA-aligned guides — all in one place. 2026 numbers updated.
Canada 2026 — quick numbers
Headline CRA + Statistics Canada figures for the 2025-26 tax year.
TFSA annual limit 2026
$7,000
Cumulative $109K since 2009
Source: CRA
RRSP deduction cap 2026
$33,810
18% of earned income
Source: CRA
FHSA lifetime room
$40,000
$8,000/yr first home savings
Source: CRA
OAS clawback threshold
$93,454
2025 income yr; full clawback $152,062 (65-74)
Source: CRA
Canada Child Benefit (under 6)
$8,157/yr
Per child max, 2026-27
Source: CRA
CPP2 tier band 2026
$74,600–$85,000
YMPE → YAMPE
Source: CRA
Median net worth Canada
$519,700
All households, SFS 2023
Source: StatCan
Highest provincial median
$773,500
British Columbia, SFS 2023
Source: StatCan
Registered accounts (TFSA, RRSP, FHSA, RESP)
Tax-sheltered accounts — contribution-room math, growth projections, and inter-account strategy.
Personal Loan Calculator
Monthly payment, total interest and amortization on a Canadian personal loan — plus the 35% criminal-rate cap in force since 1 Jan 2025, and whether your loan is open or closed.
TFSA Calculator
Project your TFSA balance with the 2026 $7,000 limit and cumulative-room math ($109K for someone 18+ since 2009).
TFSA Contribution Room 2026
The $7,000 2026 limit + full 2009–2026 history table ($109K cumulative), carry-forward rules and the over-contribution penalty.
TFSA Successor Holder
Spousal successor-holder vs beneficiary — no contribution room used, no tax on post-death growth, no probate.
RRSP Contribution Calculator
RRSP room at 18% of earned income up to the 2026 $33,810 cap. Carry-forward of unused room.
RRSP Contribution Limit 2026
The $33,810 2026 dollar limit (18% of income), the already-published $35,390 for 2027, year-by-year history, the March deadline and the $2,000 over-contribution cushion.
RRSP vs TFSA
Pre-tax RRSP vs post-tax TFSA — which one wins at your current and projected retirement marginal rates.
FHSA Calculator
First Home Savings Account: $8,000 annual / $40,000 lifetime room with tax-free growth and withdrawal.
RESP Calculator
RESP projection with the 20% CESG grant ($500/yr, $7,200 lifetime max) and provincial top-ups.
Retirement (CPP, OAS, RRIF, FIRE)
Government benefits, withdrawal mechanics, and FIRE planning for Canadians.
CGEB Calculator
Canada Groceries and Essentials Benefit (formerly the GST credit), July 2026 – June 2027: up to $679 single, $890 couple, $234 per child. Matches the CRA chart to the cent.
Ontario Trillium Benefit Calculator
OTB for July 2026 – June 2027: energy and property tax credit up to $1,307 ($1,488 at 64+), sales tax credit $378 per person, Northern Ontario energy credit. From the CRA's 2026 calculation sheets.
Snowbird Day Counter
How many days can a Canadian spend in the US? IRS 183-day substantial presence test, Form 8840, and OHIP / MSP / AHCIP / RAMQ absence limits.
US Estate Tax Calculator for Canadians
Florida condo or US shares? US estate tax under the 2026 US$15M exclusion and the Canada–US treaty credit, the US$60,000 Form 706-NA rule and FIRPTA withholding.
GST Credit (CGEB) Payment Dates 2026
January 5, April 2, July 3 and October 5, the July 2026 rename to the Canada Groceries and Essentials Benefit, 2026–27 maximums, plus CCB and Ontario Trillium dates.
CPP & OAS Payment Dates 2026
All 12 Service Canada payment dates for 2026 (Oct 28, Nov 26, Dec 22), why the day moves each month, and what to do if a payment is late.
CPP Calculator
CPP retirement-benefit estimate at 60 / 65 / 70 with reduction (~36%) and delay-credit (~42%) factors.
CPP Enhancement (CPP2)
Tier-2 CPP contributions (4% employee + 4% employer) on the YMPE-to-YAMPE band ($74,600-$85,000, 2026).
GIS Calculator
Guaranteed Income Supplement from Service Canada's own table: up to $1,138.90/mo single (October–December 2026), stops at $23,112. Earnings exemption and couple rates included.
OAS Calculator
How much Old Age Security you will actually get: $762.50/mo max at 65-74, prorated by years lived in Canada (÷40), +0.6%/month if you defer to 70.
OAS Clawback Calculator
OAS recovery tax at 15% above the $93,454 threshold (2025 income year; $95,323 for 2026). Fully recovered at $152,062 (65-74) or $157,923 (75+).
Retirement Calculator
CPP + OAS + GIS + your savings: what you can spend each year until 95, in today's dollars, and the monthly saving that closes a gap. Average CPP + full OAS at 65 = $1,620.84/mo.
RRIF Calculator
RRIF drawdown projection with the CRA minimum-withdrawal schedule from age 71 and withholding-tax tiers.
Retire at 55, 60, 65 or 70
What each retirement age changes: CPP and OAS by start age, the bridge years before 65, RRSP-to-RRIF at 71.
FIRE Calculator
Canadian FIRE number with CPP and OAS counted — not just 25× expenses. Bridges the years before benefits start.
Coast FIRE Calculator
The point where compound growth alone carries your RRSP, TFSA, FHSA to your full FIRE target — zero new contributions needed.
Barista FIRE Calculator
Semi-retire on part-time work. How much less you need when a part-time income covers the gap — with CPP contributory years and the TFSA-to-GIS interaction at 65.
FatFIRE Calculator
$3M+ CAD FatFIRE for $100K/yr in Toronto, Vancouver, or Calgary. RRSP/TFSA split, OAS clawback, provincial tax.
Property & mortgage
First-home savings, semi-annual Canadian mortgage math, and refinance penalty calculations.
Mortgage Calculator
Canadian mortgage with semi-annual compounding, amortisation schedule, and stress-test rate scenarios.
Refinance Calculator
Refinance break-even with the IRD penalty (3-month interest or interest-rate differential), whichever is higher.
Home Equity Calculator
Equity, loan-to-value, HELOC and refinance room under OSFI's 65% and 80% ceilings, and your home's share of your net worth vs the StatCan SFS 2023 benchmark (34.5%).
RRSP Home Buyers' Plan (HBP)
Withdraw up to $60,000 ($120K/couple) from RRSP tax-free for a first home. 15-year repayment schedule, missed-payment cost.
First-Time Home Buyers' GST Rebate
Canada's new FTHB GST Rebate (Bill C-4): up to $50,000 back on a new home. Full rebate to $1M, phasing to $0 at $1.5M.
Tax & benefits
CRA withholding, marginal rates, and government family benefits.
Income Tax Calculator
2026 federal + provincial income tax for ON, BC, AB & QC — average & marginal rate, after-tax income, Ontario surtax and Quebec abatement built in.
GST/HST Calculator
Add or reverse-calculate GST, HST, PST & QST for all 13 provinces and territories — 2026 rates, including Nova Scotia's 14% HST.
Tax Brackets 2026
Federal + Ontario, BC, Alberta & Quebec income tax brackets and basic personal amounts, with marginal-vs-effective explained.
RRSP Withdrawal Tax Calculator
CRA withholding (10/20/30%), total tax at marginal rate, net amount received, shortfall or refund, and RRSP meltdown strategy.
CPP Disability Calculator
Up to $1,741.20/month in 2026: a $610.46 flat rate plus 75% of your CPP retirement pension. Contribution test, 2026 earnings limits, and CPP-D vs CDB vs DTC.
Canada Disability Benefit Calculator
Up to $204.20/month for July 2026–June 2027, income-tested on your 2025 return, with up to $10,210 of work income exempt. Plus the $150 supplement from Sept 17.
Canada Child Benefit (CCB)
Up to $8,157/yr per child under 6, $6,883/yr ages 6-17. Family income → CCB phase-out plus an RRSP interaction tip.
Probate Fee Calculator
Probate fees for all 13 provinces & territories — $0 in Manitoba, $525 cap in Alberta, 1.5% in Ontario — plus what bypasses probate.
Estate Tax at Death Calculator
No inheritance tax — but the final return collects: RRSP/RRIF as income, deemed disposition on the cottage, then probate. See the real bill.
Capital Gains Tax Calculator
Tax on a gain in any province for 2026: 50% inclusion (the two-thirds increase was cancelled), your bracket, capital losses and the superficial loss rule
Wealth tracking
Net worth, compounding, scenario planning, and Canada's FCAC financial wellbeing score.
Net Worth Calculator
Total net worth across TFSA, RRSP, FHSA, RESP, real estate, and debts. Benchmarked to Statistics Canada SFS.
Compound Interest Calculator
Compound growth with monthly contributions, side-by-side TFSA vs taxable scenario comparison.
What-If Scenarios
Recession, rate-hike, high-inflation, and save-more scenarios projected on your numbers — explored with Sam.
Currency Converter
CAD to 30+ currencies with live rates — useful for cross-border investing and remittance.
Financial Wellbeing Score
Free FCAC-aligned 60-second assessment. Score 0-100 vs the Canadian average of 57, plus one targeted action.
Canadian benchmarks & data
Statistics Canada SFS 2023 net-worth medians plus account-balance benchmarks — see where you actually stand.
Net Worth by Age (Canada)
Median $519,700 overall; $159,100 under 35 → $873,400 at 55-64. SFS 2023 percentile widget by age band.
Top 10% Net Worth in Canada
Top 10% starts at $2.1M, top 5% $2.9M, top 1% $7.5M — the Parliamentary Budget Officer's published thresholds, plus your percentile by age.
Net Worth in BC
BC median $773,500 — Canada's highest, 49% above national. Vancouver real-estate drivers, percentile tool.
Net Worth in Ontario
Ontario median $665,600 — 28% above national. GTA real estate, Bay Street wealth concentration.
Net Worth in Alberta
Alberta median $457,100 — no provincial income tax saves $5K–$20K/year. Calgary energy sector, AB percentile tool.
Net Worth in Quebec
Quebec median $371,000 — lower home prices + high renter share, not lower incomes. QC percentile tool by age.
Median Net Worth Canada
National median $519,700 — why median beats the average, plus all ten provinces ranked. SFS 2023.
Average Net Worth Canada
The average net worth in Canada is $519,700 (median) — the mean is skewed by the wealthy. By age & province, are you ahead? SFS 2023.
Canadian Retirement Savings Survey 2026
How much Canadians have actually saved for retirement by age and province — survey data with percentile breakdowns.
Retirement Ages by Country
Canada's 65 vs the US, UK, Australia and 20+ countries — official pension ages compared, and where they're rising.
Average TFSA Balance by Age
Average and median TFSA balances at every age — see how your TFSA stacks up vs Canadian peers.
Average RRSP Balance by Age
Average RRSP balance benchmarks by age group with retirement-readiness commentary.
Average Investable Assets by Age
Liquid net worth (excluding home equity) by age — the figure that actually drives retirement income.
Average CPP Payment by Age
Average CPP monthly payment by claim age — see the delay-credit impact translated into dollars.
Average Net Worth by City
Median household net worth across Toronto, Vancouver, Calgary, Montreal, and more.
Canadian personal-finance guides
Long-form explainers covering registered accounts, CRA audit rules, ETFs, OAS, and first-home strategy.
RRSP vs TFSA in Canada
Income-based decision framework for which account to prioritise, with break-even tax-rate examples.
Maximizing TFSA Growth
Which investments belong inside a TFSA and which are a tax mistake. Holding rules straight from the CRA.
FHSA Canada Explained
First Home Savings Account mechanics, FHSA + HBP stacking, and when an FHSA beats a TFSA for first buyers.
CRA TFSA Audit Rules
Day-trading, over-contribution, non-qualified investments — what triggers a CRA TFSA audit and how to avoid it.
Best ETFs in Canada 2026
Asset-allocation ETF picks for a TFSA / RRSP — VEQT, VGRO, ZSP, XEQT and friends compared.
Couch Potato Portfolio Canada
How to start index investing — all-in-one ETF, three-ETF, robo-advisor or TD e-Series, plus the active-vs-passive case.
How to Buy Stocks in Canada
Beginner's step-by-step — choosing a broker, account types, market vs limit orders, US-stock costs, and whether to index instead.
First Home Buyer Canada 2026
Down-payment math, FHSA + HBP + Land Transfer Tax credits, and city-by-city affordability.
Old Age Security in Canada
OAS eligibility, clawback math, deferral until 70 (+36% boost), and the GIS interaction for low-income retirees.
Money Quizzes
Eleven free 2-minute quizzes — investing IQ, money personality, financial health, retirement readiness, FIRE trajectory, net worth percentile, homebuying readiness, recession resilience, and more. Scored instantly, no sign-up.
