Canadian money data, free to cite
RetireSmarter.ca is a Canadian personal-finance and retirement resource built on one rule: every number is sourced, never guessed. Journalists, bloggers and researchers are welcome to use the figures and tools below — a link back to the source page is all we ask.
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Quick stats you can cite
Current Canadian money figures, each traced to its source. Volatile numbers (home prices, rates) carry a date — confirm the latest on the linked page before publishing.
Net income above this triggers the 15% Old Age Security recovery tax.
CRA, 2026
Indexed from the $1.25M base; shelters up to ~$637,500 of taxable gain on a qualifying business or farm sale.
Dept. of Finance / CRA, 2026
The proposed increase to two-thirds was cancelled on March 21, 2025 — the rate stays at one-half.
Dept. of Finance, 2025
A Toronto buyer pays ~$24,950 (provincial + municipal); the same purchase in Alberta costs about $850 in registration fees.
RetireSmarter land-transfer-tax calculator (government schedules)
Moose Jaw, SK — a benchmark "typical home" under half the national average, illustrating how location dwarfs returns in a retirement budget.
Saskatchewan Realtors Association, March 2026
The more representative MLS benchmark "typical" home sat near $666,400.
CREA, April 2026
In force since March 2026 — any $45+ NSF figure is out of date.
Government of Canada, 2026
In force since January 1, 2025 — yet many "consolidation" loans still price right up to it.
Criminal Code amendment, 2025
If a Canadian life insurer fails, Assuris protects monthly annuity income up to $5,000/month or 90%, whichever is higher (enhanced 2023).
Assuris, 2026
The maximum CPP retirement pension and OAS pension a 65-year-old can receive per month.
Service Canada, 2026
BMO retired its AIR MILES cards for Blue Rewards in June 2026; American Express exited AIR MILES in 2023 — there is no AIR MILES credit card open to new applicants.
BMO / American Express, 2026
Each GIC, HISA, mortgage and credit-card figure on the site is read from the issuer’s own page and date-stamped — our core editorial rule.
RetireSmarter methodology
Tools & data to link
Free, no-signup calculators and sourced rate hubs your readers can use. Embeddable widget versions are available on request.
All 13 provinces and territories plus the municipal layers (Toronto, Montreal, Halifax), with first-time-buyer rebates.
Retirement readiness, safe-withdrawal-rate, RRIF minimums, annuity-vs-RRIF and CPP/OAS timing.
Affordability (CMHC stress-test), payment, penalty/IRD, refinance, rent-vs-buy and more.
Mortgage, GIC and HISA rates read from each lender’s own page and date-stamped — no stale aggregator tables.
Affordable and coastal places to retire in Canada, with sourced home prices and the honest healthcare and climate trade-offs.
How we source our numbers
Every rate, threshold and figure on RetireSmarter is read from a primary source — a government or regulator page (CRA, the Bank of Canada, OSFI, Assuris, CMHC), an issuer’s own rate page, or a named statistical authority (CREA, Statistics Canada) — and date-stamped. We do not pull numbers from aggregators or fill gaps with estimates; where a figure can’t be verified first-hand, we say so rather than guess. Full detail is in our methodology.
How to cite us
Please attribute to RetireSmarter.ca with a link to the specific page the figure comes from. A simple format works well:
"According to RetireSmarter.ca, [figure / finding]."
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