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Bar chart of the annual Canada Pension Plan contribution saving for employees earning from $20,000 to $70,000 after the 2027 rate cut.

The base Canada Pension Plan contribution rate falls on January 1, 2027, with the employee and employer rates each dropping by 0.20 percentage points. The saving applies to earnings above the basic exemption, and the employer saves the same amount, while a self-employed worker pays both portions and saves twice as much. At about $11 a month, the amount is small enough that the planning question becomes where the money goes, such as TFSA room or an RRSP.

This chart is presented for general informational purposes only and does not constitute financial, investment, tax, or legal advice. Figures reflect the source and period indicated and may no longer be current.

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Bar chart of projected percentage cuts to Canada Pension Plan contributions and assets under the 9.5% rate versus 9.9%.

The Chief Actuary's June 2026 report cleared the lower contribution rate, finding that 9.5% still exceeds the minimum needed for 2028 to 2033.

Projected CPP Contributions and Assets Under the 9.5% Rate Versus 9.9%

October 6, 2026

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Chart of gold futures prices, relevant to how gold is taxed differently across registered accounts.

Physical gold and silver bullion can be held inside a TFSA, RRSP, FHSA, RRIF, RESP or RDSP, but only at 99.5% purity and only while a trustee holds it on the client's behalf.

Gold Broke $4,100 This Morning. Where a Client Holds It Decides How Much of the Gain Survives Tax.

July 31, 2026

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Bar chart showing annual Canada Groceries and Essentials Benefit payments reaching $1,890 for a family of four in 2026.

The Canada Groceries and Essentials Benefit replaced the GST/HST credit on July 3, raising maximum payments by roughly twenty-five percent through 2031.

The Canada Groceries and Essentials Benefit Started This Month, and It Changes the RRIF Withdrawal Math for Retiree Clients

July 8, 2026

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Bar chart comparing the lowest provincial tax bracket rates across all 13 Canadian provinces and territories for 2026, highlighting BC's rise from 5.06% to 5.60%.

British Columbia's 2025 budget raised the province's lowest tax bracket rate from 5.06% to 5.60% for 2026, applying retroactively to…

British Columbia's Payroll Tables Just Changed Mid-Year. Nowhere Else Did.

July 9, 2026

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Line chart of the CRA prescribed rate for family loans by quarter, Q1 2022 to Q4 2026, with a dashed Treasury bill line.

The prescribed rate is set from the average three-month Government of Canada Treasury bill yield in the first month of the preceding quarter, rounded up to a whole percentage.

CRA Prescribed Rate for Family Loans, Q1 2022 to Q4 2026

October 7, 2026

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Bar chart of combined federal and Ontario capital gains tax rates across 11 income brackets for 2026.

Rates are combined federal and Ontario marginal rates applied to capital gains at the inclusion rate, including Ontario surtaxes, so the…

Ontario Capital Gains Tax Rates by Income Bracket, 2026

October 5, 2026

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