CA Tax Tools Research
Original long-run analysis on Canadian tax topics where the public data is fragmented across CRA, the Department of Finance, Statistics Canada, and OSFI. We compile, cross-check, and re-publish under CC-BY 4.0 with attribution. Use it in journalism, academic work, or AI-search citation — please link back so any corrections flow upstream.
Canada Bracket Creep 2010–2026
How Canada's federal income-tax brackets have shifted in real (CPI-rebased) terms since 2010. Year-by-year comparison of nominal threshold growth vs Statistics Canada CPI inflation, showing where indexation has kept up and where it has not.
RetirementOAS Clawback Effective Marginal Rate
Effective marginal rate curve through the OAS recovery-tax band ($93,454–$151,668 for 2025). The 15% clawback stacks on top of federal + provincial marginal rates, creating a 60–65%+ effective marginal rate band that persists across ~$58k of income.
PayrollCPP2 Second-Tier Real Cost by Income (2024–2026)
What the new CPP2 (second-tier additional) contribution costs Canadian workers and self-employed by income band in the 2024 → 2025 → 2026 phase-in. Includes employer-side cost and the after-tax effective burden.
Income taxEffective Tax Rate by Province & Income Decile (2000–2026)
How provincial effective tax rates have shifted across income deciles from 2000 through 2026. Ten income levels × thirteen provinces, showing which provinces grew more progressive and which held flat.
Real estateHousing Affordability & Tax in Canada
How land transfer tax, GST/HST on new builds, and property tax combine to determine the true cost of buying and owning a home by province. Covers LTT schedules, CMHC premiums, and monthly carrying cost estimates.
RetirementRRSP vs TFSA: Lifetime Wealth by Income Bracket
Static comparison of RRSP vs TFSA ending wealth across six income brackets and ten provinces — shows the break-even retirement marginal rate and which provinces favor which account.
RetirementRetirement Income Adequacy by Province
CPP + OAS + employer pension + RRSP drawdown vs local cost of living for all ten provinces. Shows income replacement rates by pre-retirement income and which provinces have the biggest gaps.