Each change to a calculation, a data file or a page, by date. Annual figures change each January. Mid-year changes are logged as they happen.
: Pet cost calculator, with licence fees for 34 cities
New: what a dog or cat costs a month, a year, in the first year and over its life, from your own prices. It adds GST/HST where prices are before tax (pet food is not a zero-rated grocery), the licence fee for 34 cities read from each city's own website (yearly, lifetime, optional and not-published cases handled separately), and Statistics Canada's average pet spending by province, labelled as an average across every household, with a pet or without.
: Data pages, 2027 dates, three calculators in French, an embed page
New /data section: five ranked, sourced tables built from the same files as the calculators, with CSV downloads for property tax in 102 cities and take-home pay by province, plus EI weeks by region rate, CMHC cost by down payment, and minimum wage by province, and a JSON feed of every headline 2026 figure with its source. Four pages written ahead of their season: tax deadlines 2027, the RRSP deadline for the 2026 tax year, the TFSA limit for 2027 (not announced, and why we do not guess), and the CPP base rate cut to 4.75% on January 1, 2027. Three calculators in Quebec French: salaire net, impôt sur le revenu, droits de cotisation CELI. An embed page with the terms and the snippet for every calculator. The self-employed calculator now separates the business's share of the bill from a side job. The 143 salary pages carry the take-home figure in their titles. The weekly report now shows which pages climbed or dropped, new queries, and what competitors published.
: Fourteen new calculators, including property tax for 102 cities
New: mortgage affordability (back on its own page, with the lender ratios and stress test), down payment and CMHC insurance, property tax with a page for each of 102 municipalities from their published 2026 rates, RRSP contribution room, RRSP withdrawal tax, retirement savings (how much do I need), dividend tax, hourly to salary with the minimum wage in every province, EI regular benefits from Service Canada's 2026 hours and weeks tables, maternity and parental leave including QPIP, student loan repayment with the Repayment Assistance Plan thresholds, car lease vs buy, an inflation calculator on Statistics Canada's CPI from 1914, and net worth by age group from the 2023 Survey of Financial Security. New sourced data: EI and QPIP parameters, CPI, minimum wages, student loan rules, net worth by age, RRSP limits by year and the Home Buyers' Plan limit. The two CMHC and minimum-down-payment questions moved from the mortgage page to the down payment page so each fact lives once. The two Langley municipalities are now named apart.
: Data re-verification, tax brackets rewrite, internal links, and nine broken tables
Every sourced 2026 figure re-checked against its cited page: no stored value was wrong. Four citations were stale and are fixed: federal figures now cite T4127's 123rd edition (July 1, 2026) instead of the superseded 122nd, the note on the 14% federal rate no longer hedges "if enacted as proposed" because Bill C-4 received royal assent on March 12, 2026, and four provincial source links that pointed at a CRA hub page with no tables now point at the current-year tables. Prescribed interest rates for Q1 and Q2 2026 added (3% all year). The tax brackets hub grew from 181 to 1,006 words with a worked example of marginal versus average rate. Every calculator now links to its own province, city and salary pages, which had no inbound links before. The province pages for the income tax and RRSP refund calculators (26 pages) were retired and redirect to the parent calculator. Nine tables on eight pages that had been rendering their rows as raw text are now real tables. Six moved government links repointed, 18 over-long titles shortened, semicolons removed from reader-facing copy, a worked example added to the GST/HST page.
: Guides merged into their calculators
The 44 guide pages that repeated their calculator almost word for word were merged into the calculator page and now redirect to it, so each tool is one page with its explanation, worked example and sources on it. The 14 standalone policy and strategy guides stay. The More options panel on every calculator now scrolls its fields into view when it opens, after a visitor on a laptop clicked it eight times because nothing appeared on screen.
: TFSA and RRSP page corrections
TFSA room: the FAQ and checklist said to ask for over-contribution relief with form RC243. RC243 is the TFSA return; relief is requested through CRA My Account or form RC4288. The yearly-limits table cited guide RC4466, which the CRA has cancelled, and now cites the CRA's registered-plans limits page. Added the rule that room builds from 18 even in the seven provinces and territories where you must be 19 to open the account. RRSP refund: Quebec residents were told the refund comes from the CRA alone, when part comes from Revenu Québec. The room hint stated an estimate from this year's salary as fact; the CRA limit uses last year's earned income less any pension adjustment.
: 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 was renamed to the Canada Groceries and Essentials Benefit (July 2026) throughout. Stale FAQ answers were 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.