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
$32,490
18% of earned income (2025)
Source: CRA
FHSA lifetime room
$40,000
$8,000/yr first home savings
Source: CRA
OAS clawback threshold
$93,454
Full clawback ~$151K (2025)
Source: CRA
Canada Child Benefit (under 6)
$7,787/yr
Per child max, 2025-26
Source: CRA
CPP2 tier band
$71,300–$81,200
YMPE → YAMPE (2025)
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.
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 2025 $32,490 cap. Carry-forward of unused room.
RRSP Contribution Limit 2026
The $33,810 2026 dollar limit (18% of income), 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.
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 ($71,300-$81,200, 2025).
OAS Clawback Calculator
OAS recovery tax at 15% above the $93,454 (2025) threshold. Fully clawed back near $151K / $157K at 75+.
RRIF Calculator
RRIF drawdown projection with the CRA minimum-withdrawal schedule from age 71 and withholding-tax tiers.
Retirement Planning Hub
Readiness score across 3 scenarios. CPP/OAS claiming math, RRSP-to-RRIF conversion at 71, retire at 55/60/65/70.
FIRE Calculator
Canadian FIRE number with the 4% safe-withdrawal rule, RRSP meltdown timing, and OAS-clawback-aware withdrawals.
Coast FIRE Calculator
The point where compound growth alone carries your RRSP, TFSA, FHSA to your full FIRE target — zero new contributions needed.
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.
RRSP Home Buyers' Plan (HBP)
Withdraw up to $35,000 ($70K/couple) from RRSP tax-free for a first home. 15-year repayment schedule, missed-payment cost.
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.
Canada Child Benefit (CCB)
Up to $7,787/yr per child under 6, $6,570/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.
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; $48,800 under 35 → $690,200 at 55-64. SFS 2023 percentile widget by age band.
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 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.
