Accounts & Tax for Canadians

The fastest 2026 Canadian income tax calculator — federal + provincial brackets verified at the source for all 13 jurisdictions, with the BC hike and Alberta’s new 8% bracket built in.

For freelancers, contractors and sole proprietors: federal + provincial income tax plus both halves of CPP on your net business income, with the deductible half built in. All 13 jurisdictions, 2026.

Your cumulative lifetime TFSA limit by birth year, projected tax-free growth, and over-contribution warnings.

Estimate your immediate tax refund from an RRSP contribution by province, plus projected retirement value.

Which account leaves you with more after tax — driven by your marginal rate now versus in retirement, with verified 2026 brackets.

First Home Savings Account: contribution limits, tax savings, and when to use it versus your RRSP or TFSA.

Estimate the tax on a capital gain by province, using the 50% inclusion rate and your marginal bracket.

Project an RESP including the 20% Canada Education Savings Grant, with contribution timing to maximize the match.

Estimate Registered Disability Savings Plan growth including the Canada Disability Savings Grant and Bond.

When to favour a TFSA, when the RRSP wins, and how to split contributions based on your tax bracket now versus in retirement.

How capital gains are taxed, the 50% inclusion rate, and simple ways to reduce the bill when you sell.

How capital gains work on a rental, second home, or cottage — the principal residence exemption, change of use, and a property gain calculator.

How a capital gain can claw back your OAS — the taxable-half effect on income, and a calculator that shows the recovery tax a sale triggers.

How gains on stocks and ETFs are taxed in Canada — including Wealthsimple, US stocks, ACB tracking, and the superficial loss rule.

How the CRA taxes Bitcoin and crypto — capital gains vs business income, crypto-to-crypto trades, staking, and tracking your ACB.

The deemed disposition at death, the spousal rollover, the principal residence exemption, and how an estate can face a large final-year tax bill.

Donating appreciated stocks in-kind eliminates the capital gain and gives a donation credit — with a calculator comparing donating vs selling first.

How to calculate and track your adjusted cost base — reinvested distributions, return of capital, pooling across accounts, and a worked example.

How employee stock options are taxed — the employment benefit, the 50% stock option deduction, the $200k cap, and the capital gain after exercise.

Ten legal ways to reduce or defer capital gains tax — registered accounts, tax-loss harvesting, donating securities, timing, and the principal residence exemption.

Wealthsimple Tax, TurboTax, H&R Block, UFile and GenuTax compared — free vs paid tiers, NETFILE, Quebec and platform support.

The three-way most Canadians compare: free filing, the most guided experience, and the one with real offices.

When free software is enough, when to pay a pro, and what tax preparation actually costs in Canada.

The US substantial presence test, the 183-day myth, Form 8840, and the provincial health day limits.

How RESPs and the CESG grant work, contribution timing, and how grandparents can help fund education tax-free.

The Registered Disability Savings Plan, its generous grants and bond, and who qualifies for them.

How a spousal RRSP shifts retirement income to the lower-income partner, the attribution rule, and when it pays off.

The First Home Savings Account in plain language — limits, the tax deduction, and how it stacks with the Home Buyers’ Plan.

Federal + provincial tax brackets, rates and take-home pay for all 13 jurisdictions, plus the income tax calculator.