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Illustration, not advice. Runs your plan through many random markets. Same seed, same numbers.
The stress test needs JavaScript.
Every figure used, with year and source. Read from canada.ca on 2026-10-30. Verify before relying on it.
| Figure | Value | Year | Source (external site) | Note |
|---|---|---|---|---|
| Federal brackets and rates | up to $58,523 at 14%; up to $117,045 at 20.5%; up to $181,440 at 26%; up to $258,482 at 29%; over $258,482 at 33% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Lowest rate 14%. Used as the federal credit rate on the basic personal amount. |
| Federal basic personal amount | $16,452 (maximum) | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/adjustment-personal-income-tax-benefit-amounts.html | The maximum is used for every income. The CRA minimum of $14,829 for high incomes is not modelled. |
| Ontario brackets and rates | up to $53,891 at 5.05%; up to $107,785 at 9.15%; up to $150,000 at 11.16%; up to $220,000 at 12.16%; over $220,000 at 13.16% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| Alberta brackets and rates | up to $61,200 at 8%; up to $154,259 at 10%; up to $185,111 at 12%; up to $246,813 at 13%; up to $370,220 at 14%; over $370,220 at 15% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| British Columbia brackets and rates | up to $50,363 at 5.6%; up to $100,728 at 7.7%; up to $115,648 at 10.5%; up to $140,430 at 12.29%; up to $190,405 at 14.7%; up to $265,545 at 16.8%; over $265,545 at 20.5% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| Nova Scotia brackets and rates | up to $30,995 at 8.79%; up to $61,991 at 14.95%; up to $97,417 at 16.67%; up to $157,124 at 17.5%; over $157,124 at 21% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| Saskatchewan brackets and rates | up to $54,532 at 10.5%; up to $155,805 at 12.5%; over $155,805 at 14.5% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| Manitoba brackets and rates | up to $47,564 at 10.8%; up to $101,200 at 12.75%; over $101,200 at 17.4% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| New Brunswick brackets and rates | up to $52,333 at 9.4%; up to $104,666 at 14%; up to $193,861 at 16%; over $193,861 at 19.5% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| Newfoundland and Labrador brackets and rates | up to $44,678 at 8.7%; up to $89,354 at 14.5%; up to $159,528 at 15.8%; up to $223,340 at 17.8%; up to $285,319 at 19.8%; up to $570,638 at 20.8%; up to $1,141,275 at 21.3%; over $1,141,275 at 21.8% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| Prince Edward Island brackets and rates | up to $33,928 at 9.5%; up to $65,820 at 13.47%; up to $106,890 at 16.6%; up to $142,520 at 17.62%; up to $200,000 at 19%; over $200,000 at 20% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| Yukon brackets and rates | up to $58,523 at 6.4%; up to $117,045 at 9%; up to $181,440 at 10.9%; up to $500,000 at 12.8%; over $500,000 at 15% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| Northwest Territories brackets and rates | up to $53,003 at 5.9%; up to $106,009 at 8.6%; up to $172,346 at 12.2%; over $172,346 at 14.05% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| Nunavut brackets and rates | up to $55,801 at 4%; up to $111,602 at 7%; up to $181,439 at 9%; over $181,439 at 11.5% | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | Provincial credits, surtaxes and health premiums are not modelled. |
| RRSP dollar limit | $33,810 | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/registered-plans-administrators/pspa/mp-rrsp-dpsp-tfsa-limits-ympe.html | Compared with 18% of income; the lesser is the yearly room used. |
| RRSP earned-income rate | 18% of earned income | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/contributing-a-rrsp-prpp/contributions-affect-your-rrsp-prpp-deduction-limit.html | The CRA page states 18% of earned income in the previous year; the planner uses the income you enter. |
| TFSA annual dollar limit | $7,000 | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/registered-plans-administrators/pspa/mp-rrsp-dpsp-tfsa-limits-ympe.html | Also stated on the CRA indexation page. |
| YMPE (service-formula bridge) | $74,600 | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/registered-plans-administrators/pspa/mp-rrsp-dpsp-tfsa-limits-ympe.html | Used by the bridge benefit line only. |
| OAS recovery tax threshold | $95,323 | 2026 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/adjustment-personal-income-tax-benefit-amounts.html | Net income over this amount; the rate is 15% (next row). |
| OAS recovery tax rate | 15% | page dated 2026-09-29 | https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/recovery-tax.html | The same page gives $93,454 as the 2025 threshold. |
| CPP maximum retirement pension at 65 | $1,507.65 a month ($18,091.80 a year) | January 2026 | https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-benefit/amount.html | Reference only. The planner uses the CPP amount you enter (assumed to be the amount at 65). |
| OAS maximum monthly pension | $762.50 (ages 65 to 74); $838.75 (75 and over) | October to December 2026 | https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/payments.html | Reference only. The planner uses the OAS amount you enter (assumed to be the amount at 65). |
| CPP start age factors | minus 0.6% a month before 65 (to minus 36% at 60); plus 0.7% a month after 65 (to plus 42% at 70) | page dated 2026-10-02 | https://www.canada.ca/en/services/benefits/publicpensions/cpp/when-start.html | Applied in the stress test only. |
| OAS deferral factor | plus 0.6% a month after 65 (to plus 36% at 70) | page dated 2026-10-02 | https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/when-start.html | Applied in the stress test only. |
| OAS increase at 75 | plus 10% the month after the 75th birthday | page dated 2026-10-13 | https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/benefit-amount.html | Applied in the stress test only. |
| FHSA limits | $8,000 a year; $40,000 lifetime; unused room carried forward up to $8,000 | page dated 2026-02-05 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account/definitions.html | Reference only. The projection does not model an FHSA. |
| FHSA first-year room | $8,000 | page dated 2026-02-02 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html | Reference only. |
| RRIF minimum withdrawal factors | age 71 5.28%; 72 5.40%; 75 5.82%; 80 6.82%; 85 8.51%; 90 11.92%; 95 and over 20.00%; under 71: 1/(90 minus age) | page dated 2025-10-01 | https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/completing-slips-summaries/t4rsp-t4rif-information-returns/payments/chart-prescribed-factors.html | Table by age at the start of the year, 'All other RRIFs' column. Full table in the stress test. |
| RRIF choice year | choose an option for your RRSPs in the year you turn 71 | page dated 2025-01-03 | https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/rrsp-options-when-you-turn-71/options-your-rrsps.html | The stress test start age is your input. |
| Quebec | not included | - | https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html | The CRA page refers to Revenu Quebec. Quebec is not offered. |