HBP repayment rules for 2026: who gets the 5-year grace period (2022–2028 withdrawals), when repayments start, Schedule 7 and what missing one costs.
CRA charges 1% per month on RRSP overcontributions above the $2,000 buffer. 2025 RRSP deadline: March 2, 2026. Use Form T3012A to withdraw penalty-free in ~4-6…
CRA charges 1% per month on TFSA overcontributions — 12% annually if you don't act fast. File Form RC243 by June 30, withdraw the excess, and…
$9K/month Canadian investment strategy: TFSA ($109K lifetime) → FHSA ($8K/yr) → RRSP ($33,810 in 2026) → non-registered. Exact monthly splits, asset location by account, and the…
Toronto down 6.5%, Vancouver down 6.0% in 2026 — Canada's best buyer's market in years. BoC rate at 2.25%, 30-year amortizations available, new $50K GST rebate…
33% of Gen Z invests their tax refunds while most Canadians don't. Learn where to put your 2026 refund—TFSA, RRSP, or FHSA—based on your age and…
How to use your 2026 tax refund: pay down debt, then use your RRSP, TFSA and FHSA to grow it, with current limits, deadlines and marginal-rate…
RESP grants in 2026: the CESG pays up to $7,200 per child and the Canada Learning Bond up to $2,000 with no contribution, plus BC and…
Plan your retirement income in Canada for 2026: CPP and OAS amounts and timing, the OAS clawback, RRSP and TFSA withdrawal order, and costly mistakes.
