September 20, 2026 — Accuracy and trust remediation
- Corrected emergency-fund risk direction and added a minimum cash floor for fully supported expenses.
- Updated B.C., Alberta, and Toronto land-transfer/registration calculations; clarified the OSFI uninsured straight-switch exception.
- Corrected investment-tax boundaries for superficial losses, qualifying LCGE gains, pooled ACB partial sales, mixed dividends, and principal-residence eligibility.
- Relabelled registered-account room outputs as simplified estimates and added TFSA residency/withdrawal inputs.
- Reframed compound-growth scenarios as deterministic illustrations, not forecasts or volatility modelling.
- Self-hosted pinned client assets, added security headers, and published transparency pages.
Next scheduled review
Complete source and calculation review before the next tax year and sooner when an applicable government rule changes. Independent second-review sign-off for the 2026.09.20 rules is pending publication.