Wealthsimple Tax Review 2026: Is Free Filing Worth It?
Wealthsimple Tax is free for every situation, including self-employment and rental income. The $2/day home office flat rate ended after 2022; use the T2200.
Financial Planning Canada 2026: The 49% Who Gave Up
RBC's Winter 2026 poll found 49% of Canadians believe they won't achieve financial success. A plan covering TFSAs, mortgage stress tests and DIY vs pro advice.
Laid Off at 55 in Canada? Your Income Bridge to CPP (2026 Guide)
Taking CPP at 60 instead of 65 costs $6,513 a year for life. With EI at $729 a week and OAS at $751.97 a month, plan your withdrawal order for the bridge years.
How RRSP Withdrawals Are Taxed in Canada: 2026 Guide
RRSP withholding tax is a flat 10/20/30% on the whole withdrawal, so $15,000 withholds $3,000. Scenarios and strategies to cut the tax you pay on withdrawals.
Canadian FIRE Calculator 2026: Your Real Early Retirement Number
Your FIRE number = annual expenses ÷ withdrawal rate ($50K/year = $1.25M at 4%). But CPP ($1,507.65) + OAS ($751.97 as of July 2026, not $727) = $27,115/year — worth $678,000 in portfolio equivalent. Updated OAS clawback threshold ($93,454), basic personal amount ($16,452), and the two-phase gap-year calculation most Canadian FIRE plans get
Are You On Track for Retirement? RRSP Benchmarks by Age for 2026
Starting $500 a month at 25 instead of 35 means $347,000 more at 65. Max CPP and OAS total $27,115 a year, and 2% MERs can cost about $377,000 over 30 years.
What Is Net Worth? The Real 2026 Canadian Benchmarks by Age
Net worth equals assets minus liabilities. Count your TFSA, RRSP and home equity, but not future CPP or OAS. Canadian benchmarks by age and 5 common mistakes.
Mid-30s Couple Financial Plan: Where to Start
For a mid-30s couple: employer match, high-interest debt, a 3-6 month emergency fund ($18K-$36K in the GTA), then TFSA, RRSP and RESP. $14,000 of TFSA room.
What Is a Registered Account in Canada? TFSA, RRSP, FHSA & RESP Explained (2026)
What is a registered account in Canada? How TFSAs, RRSPs, FHSAs, RESPs and RDSPs work in 2026, their limits, and mistakes that cost you tax and penalties.
$100K to Invest at 55: The 5-Year Retirement Play
Split $100K between TFSA ($7K/year, $109K lifetime) and RRSP ($33,810 in 2026). Glidepath from 60% to 35-40% equities over 5 years. Cash wedge at 2.5-3.5% ongoing HISA rates. CPP $1,507.65 + OAS $751.97 (July 2026) as your guaranteed foundation. Complete sample portfolio and step-by-step build guide.