Short, plain-language explanations of the decisions the free planners on this site model. Each guide links to the planner that lets you try it with your own numbers.
Capital, eligible and non-eligible dividends, RDTOH refunds, and the order that usually costs the least tax.
What adds to the CDA, how to pay a tax-free capital dividend, and how it fits a retirement plan.
No tax on the gain either way, but a CDA credit and a deduction on one side and a tax credit on the other.
Pension income splitting at 65, CPP sharing, spousal RRSPs and TFSAs, and the OAS clawback.
Converting at 71, the RRIF minimum table, withholding tax versus real tax.
Plan with your own numbers. Both planners are free, need no sign-up, and run entirely in your browser.
Personal / Couple PlannerHolding Company PlannerGeneral information for planning and education, not financial, tax or legal advice.