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The All the Numbers wiki · 102 articles, citing every one of the 796 rules the tools use
102 entries, 381 links between them.
Sections of the wiki
Tax
How Ontario and federal income tax is worked out for each person: the brackets and how they move each year, the credits that reduce the bill, CPP and EI on pay, and what is withheld against what is owed.
- Taxes are per person
- Income tax brackets and your marginal rate
- Combined marginal tax rates
- Tax brackets after 2026 are projected, not published
- Age, spouse and caregiver credits
- The tuition credit
- Interest on a student loan
- CPP and EI contributions
- Self-employment income
- Tax withheld from pay, and the April refund
- Ontario's credits for lower incomes
- Income tax in Quebec
- Income tax in British Columbia
- Income tax in Alberta
- Income tax in Manitoba
- Income tax in Saskatchewan
- Income tax in Nova Scotia
- Income tax in New Brunswick
- Income tax in Newfoundland and Labrador
- Income tax in Prince Edward Island
- Income tax in Yukon
- Income tax in the Northwest Territories
- Income tax in Nunavut
- Northern residents deduction
- The alternative minimum tax
- Pension income splitting
- Where you live on 31 December
Savings accounts
The TFSA, RRSP, FHSA and RESP: how room is earned, what a contribution saves, what a withdrawal costs, the government money that comes with an RESP, and the programs that let you borrow from an RRSP.
Investing
What investments are assumed to earn and cost, and how their income is taxed outside a registered account: capital gains and losses, dividends, and tax withheld abroad.
Cash and where it goes
What the plan does with each year's surplus or shortfall: which account the savings go to, what happens when cash runs short, and when it borrows.
Housing
Buying, holding and selling a home: the down payment, the mortgage and whether a lender would approve it, insurance and land transfer tax, the running costs, rent, and the comparison between renting and buying.
- Renting versus buying
- Where the down payment comes from
- How a mortgage payment is worked out
- Would a lender write the mortgage?
- Mortgage default insurance
- Land transfer tax
- What a house costs to hold
- Home prices over time
- Rent, and when it stops
- Renting out part of your home
- Selling a home
- Buying a cottage
- Renting out a cottage
- Selling or giving a cottage
- A home you already own
- Closing costs and the cash to close
Renting part of a home
The tax side of a suite, a duplex or a triplex you live in: rental income and expenses, depreciation, interest on the money borrowed, and what happens when part of a home changes from personal to rental use.
Retirement and benefits
When work stops and what replaces it: CPP, OAS, the GIS, workplace pensions and RRIF minimums, and the income-tested benefits paid to families.
- Retirement age
- The CPP retirement pension
- Old Age Security
- The OAS recovery tax
- OAS at 75
- The Guaranteed Income Supplement
- Workplace pensions
- RRIFs and the wind-up at 71
- Canada Child Benefit
- Children, childcare and an RESP for each child
- GST/HST credit (Canada Groceries and Essentials Benefit)
- Ontario Child Benefit
- Quebec family benefits and refundable credits
- The BC family benefit
- The Alberta Child and Family Benefit
- Nova Scotia benefits
- New Brunswick benefits
- Newfoundland and Labrador benefits
- Prince Edward Island benefits
- Yukon benefits
- Northwest Territories benefits
- Nunavut benefits
- Benefits tested on family income
The plan itself
How the projection is built and read: who it is about, how long it runs, net worth and today's dollars, and the tools that test it against bad luck and changed assumptions.