Q4, 2026 — Calculator usability
Added explicit input errors, last-valid-result notices, accessible
labels and help, complete calculator navigation, mobile result
shortcuts, and restore/undo actions. RESP starts with beneficiary
details; emergency funds accept a monthly total; OAS preserves
personal benefits; RRSP contribution controls stay synchronized.
Financial formulas and shared rule data are unchanged.
Q4, 2026 — Vehicle lease vs loan calculator
Added monthly payments and a comparison of loan, lease return and
cash buyout at the same date. Optional inputs cover trade-in debt,
fees, extra payments, running costs, deposits and kilometres.
Includes last-valid-result feedback, restore with Undo and CSV
export. Sources and formula checks recorded; independent financial
review pending.
Q4, 2026 — Privacy messaging and disclosures
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Added visible no-signup, no-bank-connection and browser-processing
notices before calculator inputs.
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Clarified that financial inputs are not uploaded or saved, while
local browser preferences and hosting technical data are handled
separately.
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Disclosed the hosting-injected Netlify badge and Cloudflare
network-error reporting.
September 28, 2026 — RESP and CESG calculator
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Added a 2026 RESP calculator for basic CESG, unused-room catch-up
and income-tested additional CESG.
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Added eligibility checks for residence, beneficiary age and the
special age-16/17 prior-contribution condition.
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Added the $7,200 CESG and $50,000 RESP contribution lifetime
limits with automated boundary tests.
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Organized the calculator directory into savings and goals, tax and
cash resilience, and retirement-benefit categories.
2026 — CPP and OAS planning tools
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Added month-level CPP and OAS start-date comparisons with
cumulative break-even ages.
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Added the OAS deferral adjustment, month-after-75 increase, 2026
recovery threshold, and benefit cap.
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Added a separate OAS recovery-tax calculator with 2024–2026
thresholds, tax-return adjustments, and July–June
withholding-period mapping.
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Added automated tests for statutory boundaries, cumulative months,
recovery tax, and full-recovery caps.
2026 — Accuracy and trust remediation
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Corrected emergency-fund risk direction and added a minimum cash
floor for fully supported expenses.
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Updated B.C., Alberta, and Toronto land-transfer/registration
calculations; clarified the OSFI uninsured straight-switch
exception.
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Corrected investment-tax boundaries for superficial losses,
qualifying LCGE gains, pooled ACB partial sales, mixed dividends,
and principal-residence eligibility.
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Relabelled registered-account room outputs as simplified estimates
and added TFSA residency/withdrawal inputs.
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Reframed compound-growth scenarios as deterministic illustrations,
not forecasts or volatility modelling.
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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 rules is pending publication.
Q4, 2026 — first-home savings planner
Added a Canadian FHSA, TFSA and HBP savings planner with per-buyer
contribution limits, monthly savings targets, timed tax refunds,
strategy comparison, accessible tables and current HBP repayment
relief. Added dated primary sources, methodology, structured data and
discovery links.
Q4, 2026 — salary and take-home pay calculator
Added Canadian gross-to-net and net-to-gross employment planning
across all 13 provinces and territories, seven pay periods, age rules,
employer RRSP/RPP/DPSP, taxable benefits, exemptions and custom
deductions. Verified annual 2026 tax parameters against CRA and Revenu
Québec, including July updates. Added independent worked examples,
statutory cap/age tests and reverse-solving coverage across all
provinces. Independent second-review sign-off remains pending.
Salary calculator methodology.