Insights

What is changing for your money and when, the legal ways to pay less tax, and the rates behind every calculator. Every figure comes from the CRA, Service Canada, the Bank of Canada or a province.

Coming up

1. Oct 19September inflation, the last input for the 2027 tax brackets
2. Oct 20Canada Child Benefit payment
3. Oct 28Bank of Canada rate decision
4. Oct 28CPP and OAS payments

Everything changing in 2027, with who publishes it →

Rates today

• Bank of Canada rate2.25%Prime 4.45%
• TFSA limit 2026$7,000$109,000 since 2009
• RRSP limit 2026$33,810$35,390 for 2027
• Lowest federal tax rate14%On the first $58,523
• CPP employee rate 20275.75%Down from 5.95%
• EI ceiling 2027$70,800Premium rate 1.64%

What's changing

• What's changing in 2027Every change already announced, with the date it takes effect, and what is still to come.
• Rent increase 2027The most your rent can rise in 2027, province by province, in dollars.
• OAS and GIS payments, October to December 2026Every OAS and GIS amount, income limit and payment date for the quarter.
• Benefit payment dates 2027CPP, OAS, child benefit and GST/HST credit dates for 2027, added the day they are published.
• Benefit payment dates 2026CPP, OAS, child benefit, GST/HST credit and more, October to December.
• Federal fuel tax 2027The pause to January 31, then half rate, then full rate. Proposed, not yet law.
• CPP changes 2027The base contribution rate drops on January 1, and what it saves at your salary.
• EI rates 2027The new maximum insurable earnings and premium rate, confirmed by the EI Commission.
• TFSA limit 2027When the CRA announces it, how it is set, and every limit since 2009.
• RRSP deadline 2027The last day a contribution counts for your 2026 return.
• Inflation rate September 20263.1% over 12 months, what drove it, and what it means for the 2027 TFSA limit and tax brackets.
• Statutory holidays 2027Every stat holiday in each province and territory, with the holiday pay rule and what is not a stat holiday.
• Ontario electricity rates 2026The new Time-of-Use, Ultra-Low Overnight and Tiered prices from November 1, and the smaller rebate.
• Year-end tax deadlines 2026The last day to sell for a tax loss, open an FHSA, give to charity and more, before December 31.
• Tax deadlines 2027Every filing and payment date for the 2026 return, and what being late costs.
• Bank of Canada interest rateThe policy rate and prime today, and every decision date.
• Minimum wage increases, October 1, 2026Which provinces rise, the new rates, and what they mean for a year of work.
• The Underused Housing Tax Has EndedNo UHT return or payment is needed for 2025 and later years. Returns for 2022 to 2024 are still owed, with…
• Ontario's $130,000 new-home HST rebate: who gets it, when, and howSign between April 1, 2026 and March 31, 2027 and Ontario removes the full 13% HST on a new home up to $1…
• Foreign Buyer Rules in Canada to 2027The federal foreign buyer ban runs to January 1, 2027. Ontario's 25% tax, Toronto's 10%, BC's 20% and Nova…
• Every first-time home buyer program in Canada for 2026, stackedThe GST rebate, FHSA, Home Buyers' Plan, $1,400 credit, 30-year mortgages and provincial land transfer…
• First-Time Home Buyers' GST Rebate (2026)First-time buyers get all the GST back on a new home up to $1 million, shrinking to zero at $1.5 million.…

Strategies to pay less tax

• Tax-saving strategies for CanadiansEvery legal strategy in one place, grouped by who you are, with the rule and the numbers.
• Capital-loss harvesting and the superficial-loss rule (Canada, 2026)Sell a losing investment to cancel capital gains. Carry the loss back three years or forward for good.…
• The Smith Manoeuvre Explained (2026)Interest on money borrowed to invest is deductible. Mortgage interest is not. How a readvanceable mortgage…
• Spousal RRSP Rules and the 3-Year Rule (2026)How a spousal RRSP shifts retirement income, the three-year rule, when to deduct a first-60-days…
• Prescribed-Rate Spousal Loans (2026)Lend money to a lower-income spouse at the CRA prescribed rate (3% for Q4 2026), pay the interest by…
• Pension Income Splitting in Canada (2026)Move up to half of eligible pension income to your spouse on Form T1032, what qualifies at 65 and before,…
• Medical, Disability and Caregiver Credits (2026)The 2026 medical-expense threshold, why the lower-income spouse claims, the $10,341 disability amount, the…
• Incorporating: Salary or Dividends? (2026)The 9% small business rate on the first $500,000, when salary beats dividends, the passive-income grind and…
• Home Office Expenses in Canada (2026)Who can deduct home-office costs in 2026, which costs count for salaried, commission and self-employed…

Rates and data

• Tax brackets by provinceFederal and provincial brackets, the combined rate in every province, and past years.
• Data tablesTake-home pay by province, property tax by city, minimum wage, EI weeks and CMHC premiums, with downloads.
• What changed in 2026The limits, rates and thresholds that moved this year, with sources.
• Money terms for newcomersCanadian money words next to the ones newcomers use at home.
• Immigration pathwaysThe main routes to permanent residence and what each one costs.

How figures are sourced and corrected: editorial policy. What was added or fixed, by date: changelog.