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Canadian regional coverage

Take-home pay and RRSP estimates use full-year rates and basic payroll credits. Personal circumstances and tax-return-only credits can change your final tax.

Download the reviewed parameters

The complete numerical parameters and source references are available as versioned JSON data. This is DollarMath’s derived planning dataset, not an official government publication.

Official sources

• CRA 2026 payroll formulas and contribution limitsSupports automated text-change checks
• CRA July 2026 amendments, including full-year Option 2 valuesSupports automated text-change checks
• CRA 2026 federal, provincial and territorial bracketsSupports automated text-change checks
• Revenu Québec 2026 tax, QPP, QPIP and workers' deductionDated manual review, automated access blocked
• Revenu Québec workers' deduction calculationDated manual review, automated access blocked
• Northwest Territories employee payroll taxSupports automated text-change checks
• Nunavut employee payroll taxDated manual review, automated access blocked

Calculation version: ca-employment-2026-v1. A version is an identifier for the assumptions used, not a government certification.

Property transfer taxes by region

Sell, Buy & Move uses country, purchase province and municipality. Automatic estimates cover Ontario provincial tax, Toronto municipal tax and its administration fee, and British Columbia property transfer tax including the additional residential tier. The other 11 provinces and territories require a combined regional tax quote. US states are not supported yet.

These resale residential rules apply April 1 to December 31, 2026. No first-time-buyer rebates, other exemptions, new-build GST/HST, foreign-buyer taxes or mixed-use calculations are included. Purchase price is assumed to equal taxable consideration and fair market value. Other registration and closing costs are entered separately.

Version ca-property-2026-v1. Reviewed October 23, 2026; next review due November 23, 2026. Download the reviewed property transfer parameters and sources (JSON).

• Ontario: Calculating land transfer taxDated manual review, automated access blocked
• Toronto: Municipal land transfer tax rates and fees from April 1, 2026Supports automated text-change checks
• British Columbia: Property transfer taxSupports automated text-change checks

Compound interest and savings growth

The compound interest calculator uses generic monthly compounding, with optional deposit timing, rising contributions and percentage fees. Results are before tax and after modelled fees. The pre-tax formula does not vary by province. Rates and inflation are user assumptions, not a market feed. The methodology includes a published independent example and distinguishes nominal growth from purchasing power. Version monthly-growth-v3, reviewed October 23, 2026.

• ASIC Moneysmart: Compound interest and worked example
• CIRO: Compound interest
• FCAC: Savings goals, risk and inflation

US, UK and Irish planning tools

International pages offer generic savings and loan mathematics in USD, GBP and EUR, with explicit nominal/effective rate conventions and isolated local comparisons. They do not apply Canadian tax or mortgage rules to other countries. No US state, UK regional or Irish payroll and tax datasets are published yet.