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The Mortgage Stress Test in Canada: 7 Things Homebuyers Need to Know
The mortgage stress test affects how much you can borrow when buying a home in Canada. Learn how the qualifying rate works and what it means for your budget.
Ryan O'Connor
Author
CRA and tax writer covering RRSP deduction limits, capital gains inclusion rates, OAS clawback thresholds, and how CPP/QPP interacts with personal income tax for Canadian retirees.
- taxes
- rrsp
- retirement
- cpp
Published articles
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RRSP vs. TFSA: Which Account to Contribute to First in Canada
Understand the key differences between RRSPs and TFSAs and determine which registered account deserves your contribution dollars first based on your income, tax bracket, and financial goals.
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How to Maximize Your RRSP Contribution Room Before the March Deadline in Canada
Learn how to calculate your RRSP contribution room, maximize your deduction for the current tax year, and avoid missing the March 1 deadline.
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How GICs Work in Canada and When They Beat High-Interest Savings Accounts
Learn how Guaranteed Investment Certificates deliver guaranteed returns and when they outperform high-interest savings accounts for Canadian savers.
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Best ETFs for an RRSP in Canada in 2026: Build Tax-Deferred Growth
The best RRSP ETFs for Canadians are usually low-cost, diversified funds that match your time horizon and risk tolerance. This guide explains which ETF types deserve a closer look in 2026.
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Canada Strong Fund in Canada: Could It Help Retirement Fixed Income?
The Canada Strong Fund may become useful for retirement investors if it offers dependable income, transparent risk, and reasonable access. For now, Canadians should treat it as a watchlist idea, not a replacement for GICs, bonds, or diversified fixed-income ETFs.
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Summer Financial Review in Canada: RRSP, TFSA, and FHSA Mid-Year Check-In
Use the summer slowdown to check your registered accounts before year-end pressure begins. This checklist helps Canadian savers review RRSP, TFSA, and FHSA contribution room, tax planning, and investment fit.
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Four 2026 Tax Dates for Investors in Canada
Canadian investors should mark four tax dates in 2026: the RRSP deadline, the main filing and payment deadline, the self-employed filing deadline, and year-end planning date. Missing one can mean lost deductions, interest charges, or rushed investment decisions.
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Canadian Income Tax Calculator: Estimate Federal and Provincial Tax Owing in Canada
Estimate how much income tax you may owe in Canada by combining federal and provincial tax brackets, then adjusting for credits and deductions.
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FHSA Calculator in Canada: How Much You Can Save and How the Tax Deduction Works
An FHSA calculator estimates your possible first home savings in Canada and the tax value of your deductible contributions. Use it to compare contribution amounts, timelines, expected growth, and your marginal tax rate.
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Understanding S&P 500 ETFs in Canada: A Guide for Investors
Learn how Canadian investors can access S&P 500 ETFs, navigate currency considerations, withholding taxes, and choose the right account type for U.S. equity exposure.