Every change to a calculation, a data file or a page. Annual figures change each January; mid-year changes are noted as they happen.
: New-home HST rebate calculator, 2025-2026 policy guides, and a site-wide QA pass
New calculator for GST/HST on a newly built home with every rebate: the federal new housing rebate, the first-time home buyers' rebate (Bill C-4, law since March 12, 2026, up to $50,000), Ontario's first-time rebate (up to $80,000), Ontario's enhanced rebate and new home affordability payment for agreements signed April 2026 to March 2027 (up to $130,000 for any buyer), Nova Scotia's $3,000 rebate and Quebec's QST rebate. The mortgage and land transfer calculators now credit the same rebates in cash to close when a home is marked newly built. Five policy guides: Ontario's $130,000 rebate, the first-time GST rebate, the foreign buyer ban to 2027 and the provincial non-resident taxes, the end of the Underused Housing Tax, and every first-time buyer program for 2026. QA: a seeded fuzz suite over all 32 engines found and fixed 24 edge-case bugs (page freezes on very large inputs, thrown errors on empty lists, not-a-number and negative results); 43 dead or moved official links replaced; the GST/HST credit renamed to the Canada Groceries and Essentials Benefit (July 2026) throughout; stale FAQ answers corrected.
: Every calculator rebuilt around what people actually ask
All 30 tools reworked from a per-tool review of how people search and what competitors miss. Mortgage payment now shows the total monthly cost of owning, the cash needed on closing day, a fixed vs variable comparison and a frequency table. Affordability adds a co-applicant, typed debts (cards and lines of credit at 3% of balance), insured vs conventional limits, a comfortable price and an income-needed mode. Renewal starts from your statement balance and compares extend, keep-payment, lump-sum, negotiate and variable options. Land transfer tax checks first-time-buyer eligibility, shows the bracket math and estimates other closing costs. Rent vs buy gives a verdict with the break-even rent and price growth and a stay-length grid. Prepay vs invest models TFSA, RRSP and taxable accounts, lump sums, the freed payment after payoff and prepayment privileges. RRSP/TFSA/FHSA adds a fill order, the refund toggle and the break-even retirement rate. TFSA room starts from the CRA figure and shows the over-contribution penalty. RRIF shows the tax the withdrawal adds and the OAS clawback line. Withdrawal order adds non-registered assets, CPP and OAS start ages, a meltdown strategy, a year table and life-expectancy sensitivity. Next-dollar adds an emergency fund and per-debt steps. GIC vs HISA adds promo rates, cashable terms and a chequing baseline. CPP timing shows every age from 60 to 70 and can estimate your CPP; the CPP and OAS planner leads with monthly after-tax income and flags GIS. OAS clawback takes income by source and explains the July-to-June timing. CCB takes children by age, shows provincial benefits, payment dates and what changes at 6 and 18. RESP shows the contribution that captures the full grant and catch-up amounts. Self-employed starts from revenue and expenses with a set-aside percentage, instalment dates and a separate HST line. Salary vs dividends works from the cash you need and shows what stays in the company. Capital gains adds losses, CCA recapture, foreign currency and what you keep. GST/HST adds place of supply, the return and the quick method. Vacation pay adds worked-holiday premiums and eligibility rules. Car loan adds sales tax, trade-in, payoff date and rebate vs low rate. Credit card adds payoff date, target payment, balance transfer and snowball vs avalanche. New data: lender ratios, closing-cost estimates, 2026 rent guidelines (ON, BC), quick-method rates and provincial holiday rules, all sourced.
: Next-dollar planner and salary pages
New "Where should my next dollar go?" planner that ranks employer match, debt, FHSA, RRSP, TFSA and mortgage prepayment with a real monthly split. New take-home pay pages for eleven salaries in every province (143 pages), each with the bracket-by-bracket walkthrough for that exact salary, the value of a raise and an RRSP contribution, and a cross-Canada ranking.
: Seventeen more calculators, city pages and reference pages
Self-employed tax, salary vs dividends, capital gains, bonus tax, severance tax, newcomer first-year tax, GST/HST by province, vacation and statutory holiday pay, RRIF minimum, RESP with CESG, GIC vs HISA, loan payment, credit-card payoff, prepay mortgage vs invest, rent vs buy (with 15 city presets), the combined CPP and OAS planner and the RRIF vs TFSA withdrawal-order simulator. New reference pages: tax brackets for every province and what changed in 2026. New programmatic pages: income tax and RRSP refund by province; rent vs buy, mortgage payment and land transfer tax for 15 cities. Site-wide ⌘K search and a question-first home page.
: Nine more calculators
Income tax estimator, RRSP refund, mortgage renewal shock, mortgage affordability (stress test), TFSA contribution room, CPP start age (60 vs 65 vs 70), OAS clawback, Canada Child Benefit (July 2026 to June 2027) and land transfer tax for every province plus Toronto, Montreal and Quebec City. New verified data: Service Canada CPP/OAS amounts and thresholds, CRA CCB parameters, and provincial and municipal land transfer rules including Toronto's April 2026 rates and Quebec's new first-home tax credit.
: Launch: first three calculators
Take-home pay (all 13 provinces and territories, including Quebec), mortgage payment with CMHC insurance and amortization, and RRSP vs TFSA vs FHSA. All 2026 figures verified against the CRA T4127 (January and July 2026 editions), Revenu Québec TP-1015.F, provincial finance ministries, CMHC, OSFI and the Bank of Canada.