Changelog

Tax data currency: 2026 federal and provincial/territorial tax brackets and credits, CPP, OAS, GIS and RRIF rules. Last reviewed 2026-10-01. Probate fees are approximate. Rates and limits change each January, and the planners are updated after the official figures are published.

2026-10-01

The Inputs tab has a Basic / Full switch. The personal planner opens in Basic (about 20 essential fields); the corporate planner opens in Full. Nothing is lost when you switch.
Amounts are now entered in today's dollars and the plan inflates them to the year they apply: yearly spending, extra fixed expenses, property tax, the two adjustment spending steps, rental income, downsize proceeds, the reverse-mortgage lump sum, and the What-If annual need, lump sum and one-time expense. Account balances, yearly contributions, employment income, pension statement amounts and donations are unchanged. Plans saved earlier convert automatically on import and give the same results. If you had entered any of these amounts before, check them: they now mean today's dollars.
Extra Fixed Yearly Expenses now default to $0 and the non-registered cost base defaults to 0 (meaning the same as the balance), so the sample plan changed.
In Full mode the Inputs tab now uses the same headed groups as Basic (About you, When you retire, Spending in retirement, and so on), with the extra detail boxes inside each group. The FHSA fields moved into the RRSP / TFSA details section.
Downsize proceeds and the reverse-mortgage lump sum, entered in today's dollars, now grow at your home's appreciation rate when you have entered a home; otherwise at general inflation.
The What-If Inflation Change card now changes general inflation (spending and CPP/OAS indexing) instead of CPP/OAS indexing only, and a blocked run (for example impossible ages) takes you to the Inputs tab where the message is shown.
The dashboard's Average Annual Gap no longer shows a $1 rounding difference as a shortfall.
Footers, the TFSA help text and the home page now all state the same tax year (2026) and the review date.
The projection is now labelled as being in future (nominal) dollars, with today's-dollar equivalents shown under the Portfolio at Retirement, Ending Balance and Estate Value dashboard cards.
Corrected the "what this plan does not include" notes: non-eligible dividends are modelled, so they are no longer listed as excluded.
Clearer wording on the Inputs tab (no "all fields required"), the RRIF conversion section and the defined-benefit pension section.
Added OAS Allowance for survivors, an option to send a surplus to the TFSA, per-account growth rates, a stress test, and the FHSA.
Corporate planner: spouse share of the holding company with a simplified TOSI check, and Auto-Pay variants for corporate dividends.

2026-09-30

Audit fixes: tax totals now always add up to Total Tax, estate tax layers corrected when a spouse survives, the OAS clawback threshold and survivor CPP cap are indexed from today, and the RRSP melt-down optimizers measure against a true no-melt-down run.

2026-09-29

Personal charitable donation credit (CRA 2026 federal and provincial rates) and a personal-versus-corporate donation comparison on the What-If tab.
Corporate in-kind donations of listed shares.