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cjpatten/canadian-finance-planner-skill
A Claude skill that turns Claude into your personal financial planner — built specifically for Canadians. Interviews, budgets, action plans, interactive dashboards, and ongoing coaching.
History
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Individual skills in this repository
How it works
financial-planner
When your agent uses it
Your Personal Finance Manager for Canadians — an AI financial planning partner that conducts thorough financial interviews, builds complete plans, generates interactive dashboards, and provides ongoing coaching. Use this skill whenever someone asks about budgeting, saving, investing, debt strategy, retirement planning, tax optimization, government benefits, insurance, RRSPs, TFSAs, RESPs, CPP, OAS, or any aspect of personal finance in a Canadian context. Also triggers for "should I buy this?", "can I afford this?", financial check-ins, plan updates, life change impacts on finances, or any request to build or review a financial plan. Even if the user just says "help me with my money" or "I need a budget", this skill should activate. Canada-focused.
What it loads into context
Frontmatter
175 tokensAlways available to the agent
SKILL.md
5,671 tokensWhen the skill is activated
Reference documents
161,369 tokensLoaded on request
Token counts are estimates. Scripts run separately; they are not counted as reference context.
The playbook
- How This Skill Works
- Conversation Flow
- Core Principles (Apply These Always)
- Output Formats
- Tone & Personality
- What This Skill Does NOT Do
- When Users Ask "Are You Sure?" or "Why?"
- Dashboard Generation
- Handling Edge Cases
Files
.claude-plugin/marketplace.jsonasset696 bytes.gitignoreasset316 bytesGetting-Started-Guide.docxasset22,057 bytesLICENSEasset1,069 bytesREADME.mddoc21,326 bytesSKILL.mdcore25,427 bytesSKILL.mdcore25,427 bytesSKILL.mdcore25,427 bytesSKILL.mdcore25,427 bytesdemo-sample-plan/1-my-profile.mddoc12,665 bytesdemo-sample-plan/2-my-budget.mddoc7,384 bytesdemo-sample-plan/3-my-plan.mddoc21,206 bytesdemo-sample-plan/4-my-dashboard.htmlasset46,532 bytesdemo-sample-plan/README.txtdoc1,355 bytesdemo-sample-plan/check-ins/2026-04.mddoc3,744 bytesdemo-sample-plan/shareable/My-Budget.pdfasset165,404 bytesdemo-sample-plan/shareable/My-Budget.xlsxasset7,971 bytesdemo-sample-plan/shareable/My-Financial-Profile.pdfasset182,236 bytesdemo-sample-plan/shareable/My-Plan.pdfasset171,130 bytesfinancial-planner.skillasset211,679 bytesreferences/calculations-and-dashboard.mddoc16,293 bytesreferences/canada-finance-rules.mddoc15,475 bytesreferences/cross-border.mddoc32,972 bytesreferences/current-figures.mddoc16,004 bytesreferences/debt-strategy.mddoc36,584 bytesreferences/estate-planning.mddoc54,137 bytesreferences/insurance.mddoc31,471 bytesreferences/interview-guide.mddoc18,016 bytesreferences/investment-basics.mddoc16,050 bytesreferences/life-events.mddoc55,892 bytesreferences/portfolio-management.mddoc31,999 bytesreferences/provincial-rules.mddoc32,777 bytesreferences/real-estate.mddoc36,338 bytesreferences/retirement-income.mddoc31,426 bytesreferences/scenarios-and-coaching.mddoc14,895 bytesreferences/self-employed.mddoc41,760 bytesreferences/tax-filing.mddoc34,484 bytestest-scenarios/README.mddoc6,140 bytestest-scenarios/personas/01-young-couple-debt.mddoc5,429 bytestest-scenarios/personas/02-newcomer-india.mddoc3,412 bytestest-scenarios/personas/03-self-employed-incorporated.mddoc5,105 bytestest-scenarios/personas/04-near-retiree-pension.mddoc4,682 bytestest-scenarios/personas/05-single-parent-debt-crisis.mddoc3,921 bytestest-scenarios/personas/06-snowbird-us-condo.mddoc4,775 bytestest-scenarios/personas/07-high-income-professional.mddoc4,425 bytestest-scenarios/personas/08-young-single-starter.mddoc3,774 bytestest-scenarios/personas/09-blended-family.mddoc5,646 bytestest-scenarios/personas/10-gig-worker.mddoc5,219 bytestest-scenarios/personas/11-us-citizen-in-canada.mddoc5,696 bytestest-scenarios/personas/12-elderly-widow-inheritance.mddoc6,782 bytestest-scenarios/prompt-template.mddoc1,119 bytes
Read SKILL.md
# Personal Finance Manager — Canada (v3.0)
> **Skill version:** 3.0 | **Last updated:** July 14, 2026
> Check for updates: https://github.com/cjpatten/canadian-finance-planner-skill/releases
You are an AI Financial Coach. Not a calculator, not a chatbot that regurgitates generic
tips. You know (or will learn) your user's complete financial picture and you work on their
behalf — coaching them through every decision from a $7 coffee to a retirement plan.
## How This Skill Works
This skill saves financial data as files on the user's computer, enabling multi-session
planning. You conduct interviews, build plans, generate dashboards, and provide ongoing
coaching — all powered by local files that persist between conversations.Skills included
- financial-planner
Repository facts
- License
- MIT
- Created
- Mar 14, 2026
- Last pushed
- Jul 14, 2026
- Forks
- 11
- Open issues
- 1
- Project activity
- Slowing
Before you install
Network or broad shellAutomated signals, not a guarantee
Checked Nov 7, 2026
Not fully analyzed: some files were too long, unreadable or missing. This never lowers the level.
Show 3 notes
SKILL.md:1Analysis incomplete: Referenced executable target unavailable; not analyzedSKILL.md:1Analysis incomplete: Referenced executable target unavailable; not analyzedSKILL.md:1Analysis incomplete: Referenced executable target unavailable; not analyzed
- No broad tool permissions
- 2 dangerous shell commandsin 1 file: README.md:99
- 353 network referencesin 17 files: references/current-figures.md:29 references/cross-border.md:583 references/provincial-rules.md:655 and 14 more
- No hidden or obfuscated text
- No instruction overrides
- No executable scripts
- No access to secrets
- No requests to vote in Hot
Show all 355 signals by file
README.md
- Network accessline 4
**Current version:** 3.0 | [View changelog](https://github.com/cjpatten/canadian-finance-planner-skill/releases) - Network accessline 6
A custom skill for [Claude](https://claude.ai) that turns it into your personal AI financial coach — built specifically for Canadians. - Network accessline 54
1. Download the **[financial-planner.skill](./financial-planner.skill)** file from this repo 2. Open the **Claude desktop app** ([download here](https://claude.ai/download)) - Network accessline 55
2. Open the **Claude desktop app** ([download here](https://claude.ai/download)) - Network accessline 63
> Requires a paid Claude plan with Cowork mode: Pro (C$24/mo billed annually), Max (from C$140/mo), Team (C$27.42/seat/mo), or Enterprise. The free tier does not support skills or Cowork mode. Prices exclude tax. [See pricing](https://claud - Network accessline 82
# Or install directly from GitHub mkdir -p ~/.claude/skills git clone https://github.com/cjpatten/canadian-finance-planner-skill.git ~/.claude/skills/financial-planner - Network accessline 84
git clone https://github.com/cjpatten/canadian-finance-planner-skill.git ~/.claude/skills/financial-planner - Network accessline 98
# Install Node.js curl -fsSL https://deb.nodesource.com/setup_20.x | sudo -E bash - - Dangerous shell operationline 99
curl -fsSL https://deb.nodesource.com/setup_20.x | sudo -E bash - - Network accessline 99
curl -fsSL https://deb.nodesource.com/setup_20.x | sudo -E bash - - Dangerous shell operationline 100
sudo apt-get install -y nodejs - Network accessline 112
# Or install directly from GitHub mkdir -p ~/.claude/skills git clone https://github.com/cjpatten/canadian-finance-planner-skill.git ~/.claude/skills/financial-planner - Network accessline 114
git clone https://github.com/cjpatten/canadian-finance-planner-skill.git ~/.claude/skills/financial-planner - Network accessline 311
| Category | # Sources | Key References | |----------|-----------|----------------| | **CRA / Canada.ca** | 50+ | [Tax brackets & rates](https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals - Network accessline 312
|----------|-----------|----------------| | **CRA / Canada.ca** | 50+ | [Tax brackets & rates](https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-cur - Network accessline 313
| **CRA / Canada.ca** | 50+ | [Tax brackets & rates](https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html), [RRSP/TFSA/RESP - Network accessline 314
| **Provincial Governments** | 40+ | Tax brackets, disability programs (ODSP, AISH, PWD), pharmacare, health coverage for all 13 provinces and territories. Full Quebec support (Revenu Québec, RAMQ, QPIP). | | **IRS / US Government** | 10+ | - Network accessline 315
| **IRS / US Government** | 10+ | [Substantial presence test](https://www.irs.gov/individuals/international-taxpayers/substantial-presence-test), [FIRPTA](https://www.irs.gov/individuals/international-taxpayers/firpta-withholding), [FBAR](h - Network accessline 316
| **Financial Institutions** | 15+ | [Vanguard Canada](https://www.vanguard.ca), [iShares/BlackRock](https://www.blackrock.com/ca), [Morningstar Canada](https://www.morningstar.ca), [RateHub.ca](https://www.ratehub.ca), [WOWA.ca](https://ww - Network accessline 317
| **Professional Bodies** | 5+ | [FP Canada](https://www.fpcanada.ca) (projection assumptions, planner directory), [CLHIA](https://www.clhia.ca), [Insurance Bureau of Canada](https://www.ibc.ca), [Credit Counselling Canada](https://www.cred - Network accessline 318
| **Tax & Planning** | 15+ | [TaxTips.ca](https://www.taxtips.ca) (comprehensive tax reference), [Adjusted Cost Base](https://www.adjustedcostbase.ca), [Canadian Couch Potato](https://canadiancouchpotato.com), [FCAC](https://www.canada.ca/e - Network accessline 319
| **Housing & Mortgage** | 10+ | [CMHC](https://www.cmhc-schl.gc.ca), [FCAC Mortgage Tools](https://www.canada.ca/en/financial-consumer-agency/services/mortgages.html), provincial land transfer tax calculators | - Network accessline 320
| **Legal & Estate** | 5+ | [Office of the Superintendent of Bankruptcy](https://www.ic.gc.ca/eic/site/bsf-osb.nsf/eng/home), provincial probate rules, Henson Trust resources | - Network accessline 334
[Open an issue](https://github.com/cjpatten/canadian-finance-planner-skill/issues) — happy to help with setup, bugs, or feature ideas.
SKILL.md
demo-sample-plan/4-my-dashboard.html
- Network accessline 5
<meta name="viewport" content="width=device-width, initial-scale=1.0"> <title>Marcus & Sarah Chen — Financial Dashboard</title> <script src="https://cdn.jsdelivr.net/npm/chart.js@4.5.1" integrity="sha384-jb8JQMbMoBUzgWatfe6COACi2ljc - Network accessline 6
<title>Marcus & Sarah Chen — Financial Dashboard</title> <script src="https://cdn.jsdelivr.net/npm/chart.js@4.5.1" integrity="sha384-jb8JQMbMoBUzgWatfe6COACi2ljcDdZQ2OxczGA3bGNeWe+6DChMTBJemed7ZnvJ" crossorigin="anonymous"></script> - Network accessline 7
<script src="https://cdn.jsdelivr.net/npm/chart.js@4.5.1" integrity="sha384-jb8JQMbMoBUzgWatfe6COACi2ljcDdZQ2OxczGA3bGNeWe+6DChMTBJemed7ZnvJ" crossorigin="anonymous"></script>
references/calculations-and-dashboard.md
references/cross-border.md
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### CRA — International & Non-Residents - Determining Residency Status: https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/information-been-moved/determining-your-residency-status.html - Network accessline 584
- Determining Residency Status: https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/information-been-moved/determining-your-residency-status.html - Network accessline 585
- Newcomers to Canada: https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/individuals-leaving-entering-canada-non-residents/newcomers-canada-immigrants.html - Network accessline 586
- Leaving Canada (Emigrants): https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/individuals-leaving-entering-canada-non-residents/leaving-canada-emigrants.html - Network accessline 587
- Non-Resident TFSA Rules: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/non-resident.html - Network accessline 588
- T1135 Foreign Income Verification: https://www.canada.ca/en/revenue-agency/services/forms-publications/forms/t1135.html - Network accessline 589
- Form T2209 (Foreign Tax Credit): https://www.canada.ca/en/revenue-agency/services/forms-publications/forms/t2209.html - Network accessline 590
- CPP International: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-international.html - Network accessline 591
- Social Security Agreements: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/payroll-deductions-contributions/canada-pension-plan-cpp/international-social-security-agreements.html - Network accessline 593
### IRS — US Tax for Non-Residents & Expats - Substantial Presence Test: https://www.irs.gov/individuals/international-taxpayers/substantial-presence-test - Network accessline 594
- Substantial Presence Test: https://www.irs.gov/individuals/international-taxpayers/substantial-presence-test - Network accessline 595
- Closer Connection Exception: https://www.irs.gov/individuals/international-taxpayers/closer-connection-exception-to-the-substantial-presence-test - Network accessline 596
- Form 8840: https://www.irs.gov/pub/irs-pdf/f8840.pdf - Network accessline 597
- FIRPTA: https://www.irs.gov/individuals/international-taxpayers/firpta-withholding - Network accessline 598
- FBAR (FinCEN 114): https://www.irs.gov/businesses/small-businesses-self-employed/report-of-foreign-bank-and-financial-accounts-fbar - Network accessline 599
- Form 8938 (FATCA): https://www.irs.gov/businesses/comparison-of-form-8938-and-fbar-requirements - Network accessline 600
- Streamlined Filing Procedures: https://www.irs.gov/individuals/international-taxpayers/streamlined-filing-compliance-procedures - Network accessline 601
- Publication 519 (US Tax Guide for Aliens): https://www.irs.gov/publications/p519 - Network accessline 602
- Publication 597 (Canada-US Tax Treaty): https://www.irs.gov/publications/p597 - Network accessline 604
### Canada-US Tax Treaty - Full text: https://www.canada.ca/en/department-finance/programs/tax-policy/tax-treaties/country/united-states-america-convention-consolidated-1980-1983-1984-1995-1997-2007.html - Network accessline 605
- Full text: https://www.canada.ca/en/department-finance/programs/tax-policy/tax-treaties/country/united-states-america-convention-consolidated-1980-1983-1984-1995-1997-2007.html - Network accessline 607
### TaxTips.ca - US Estate Tax for Canadians: https://www.taxtips.ca/personaltax/us-estate-tax-for-canadians.htm - Network accessline 608
- US Estate Tax for Canadians: https://www.taxtips.ca/personaltax/us-estate-tax-for-canadians.htm - Network accessline 609
- Leaving Canada: https://www.taxtips.ca/personaltax/leavingcanada.htm - Network accessline 610
- Foreign Tax Credit: https://www.taxtips.ca/filing/foreign-tax-credit-non-business-income.htm - Network accessline 611
- T1135 Foreign Asset Reporting: https://www.taxtips.ca/filing/foreign-asset-reporting.htm - Network accessline 613
### Provincial Health Insurance (Re-Entry Waiting Periods) - Ontario (OHIP): https://www.ontario.ca/page/apply-ohip-and-get-health-card - Network accessline 614
- Ontario (OHIP): https://www.ontario.ca/page/apply-ohip-and-get-health-card - Network accessline 615
- BC (MSP): https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp - Network accessline 616
- Alberta (AHCIP): https://www.alberta.ca/ahcip-coverage - Network accessline 617
- Quebec (RAMQ): https://www.ramq.gouv.qc.ca/en/citizens/health-insurance/registration
references/current-figures.md
- Network accessline 29
- Lifetime capital gains exemption 2026: $1,275,000. - Capital gains inclusion rate: 50% (the proposed 2/3 increase was CANCELLED in 2025). - RRIF: convert RRSP by **Dec 31 of the year you turn 71**. [Source: https://www.canada.ca/en/revenu - Network accessline 31
- RRIF: convert RRSP by **Dec 31 of the year you turn 71**. [Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/rrsp-options-when-you-turn-71.html] Minimum factors: age 71 = 5.28%, **age 72 = - Network accessline 33
## Tax (2026) - **Lowest federal rate is 14%** for 2026 (was 15%; the 2025 tax year is a blended 14.5%). The **Top-Up Tax Credit (line 34990) applies to the 2025 return ONLY** — it keeps 2025 non-refundable credits worth ~15%; it does NOT a - Network accessline 34
- **Lowest federal rate is 14%** for 2026 (was 15%; the 2025 tax year is a blended 14.5%). The **Top-Up Tax Credit (line 34990) applies to the 2025 return ONLY** — it keeps 2025 non-refundable credits worth ~15%; it does NOT apply to 2026 r - Network accessline 35
- Federal brackets 2026: 14% to $58,523; 20.5% to $117,045; 26% to $181,440; 29% to $258,482; 33% above. [Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html] - Network accessline 36
- Federal BPA 2026: $16,452 (max, net income ≤ $181,440) / $14,829 (min, ≥ $258,482). Indexation factor 2026: 2.0%. [Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/adjustment- - Network accessline 37
- Alberta is NO LONGER flat-ish 10%: new **8% bracket on first $61,200 (2026)**, then 10% to $154,259, then 12/13/14/15%. - Nova Scotia HST is **14%** since Apr 1, 2025 (NB/NL/PEI still 15%; ON 13%). - Medical expense threshold: lesser of 3 - Network accessline 38
- Nova Scotia HST is **14%** since Apr 1, 2025 (NB/NL/PEI still 15%; ON 13%). - Medical expense threshold: lesser of 3% of net income or **$2,890 (2026)** / $2,834 (2025). [Source: https://www.canada.ca/en/revenue-agency/services/tax/indivi - Network accessline 39
- Medical expense threshold: lesser of 3% of net income or **$2,890 (2026)** / $2,834 (2025). [Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/adjustment-personal-income-tax-be - Network accessline 40
- Disability Tax Credit 2026: **$10,341** (up to ~$1,448 federal reduction); from 2026, 43 listed long-lasting conditions qualify with streamlined certification. [Source: https://budget.canada.ca/update-miseajour/2026/report-rapport/tm-mf-e - Network accessline 41
- Home office **$2/day flat-rate method NO LONGER EXISTS** (2020–2022 only). Employees need the detailed method + T2200; self-employed use T2125 actual costs. - CRA interest (Q3 2026, Jul–Sep): overdue tax **7%**; prescribed rate (family/sp - Network accessline 42
- CRA interest (Q3 2026, Jul–Sep): overdue tax **7%**; prescribed rate (family/spousal loans) **3%**; overpayment (paid to individuals) 5%. Rates are quarterly; Q4 announced late Sep. [Source: https://www.canada.ca/en/revenue-agency/service - Network accessline 48
## Benefits (current cycle, July 2026 – June 2027) - CCB: **$8,157**/yr under 6, **$6,883** ages 6–17; phase-out starts at $38,237 AFNI. - **GST/HST credit is REPLACED by the Canada Groceries and Essentials Benefit (CGEB) from July 2026**: - Network accessline 49
- CCB: **$8,157**/yr under 6, **$6,883** ages 6–17; phase-out starts at $38,237 AFNI. - **GST/HST credit is REPLACED by the Canada Groceries and Essentials Benefit (CGEB) from July 2026**: base annual max **~$543 single / ~$1,086 couple wit - Network accessline 50
- **GST/HST credit is REPLACED by the Canada Groceries and Essentials Benefit (CGEB) from July 2026**: base annual max **~$543 single / ~$1,086 couple with 2 children** (2026–27; ~25% above old GST credit levels), paid quarterly Jul/Oct/Jan - Network accessline 51
- **Canada Carbon Rebate is DEAD** (final payment April 2025; consumer fuel charge removed). Never list it as a benefit. [Source: https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-carbon-rebate.html] - Network accessline 56
- CPP 2026: YMPE **$74,600**; YAMPE (CPP2 second ceiling) **$85,000**. Employee 5.95% + CPP2 4%; self-employed total max **$9,292.90** (base $8,460.90 + CPP2 $832). CPP2 exists — do not omit it for self-employed users. - **Quebec = QPP, not - Network accessline 57
- **Quebec = QPP, not CPP.** Quebec residents contribute to the Quebec Pension Plan, which has its own (higher) contribution rates and maximums plus QPP2 between the YMPE and YAMPE. Do NOT apply the CPP self-employed max ($9,292.90) or a CP - Network accessline 58
- **PROPOSED (pending Royal Assent — quote as proposed only): base CPP rate drops 9.9% → 9.5% Jan 1, 2027** (~$133/yr saving at $70K salary). The 2026 rate is unchanged. [Source: https://www.canada.ca/en/department-finance/news/2026/04/spri - Network accessline 59
- CPP max at 65 (2026): **$1,507.65/mo**; average new beneficiary **~$877/mo** (Apr 2026). PRB max ~$54.69/mo. [Source: https://www.canada.ca/en/services/benefits/publicpensions/cpp/payment-amounts.html] - Network accessline 60
- CPP timing: −0.6%/mo (−36% at 60) / +0.7%/mo (+42% at 70); retroactive start max 11 months (applications after 65). [Source: https://www.canada.ca/en/services/benefits/publicpensions/cpp/when-start.html] **CPP deferral does NOT increase t - Network accessline 61
- CPP death benefit: $2,500 base + up to $2,500 top-up (**$5,000 max**) since Jan 2025 when the deceased never collected CPP and left no surviving spouse. [Source: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-death-bene - Network accessline 62
- OAS (Q3 2026, Jul–Sep): **$751.97/mo** (65–74) / $827.17 (75+); max at 70 with full deferral **$1,022.68/mo**; indexed quarterly. Deferral +0.6%/mo to +36% at 70 (no early OAS; deferral also delays GIS). [Source: https://www.canada.ca/en/ - Network accessline 63
- OAS clawback (2026 income year): starts at **$95,323**; fully clawed back ~$152,062 (65–74) / ~$157,923 (75+). [Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/adjustment-per - Network accessline 70
- BC first-time-buyer property transfer tax exemption: full exemption to **$835,000** FMV (saves up to $8,000), partial to $860,000. - GST New Housing Rebate (non-FTB): full 36% (max $6,300) up to $350K, phases out to $450K, zero above. - B - Network accessline 71
- GST New Housing Rebate (non-FTB): full 36% (max $6,300) up to $350K, phases out to $450K, zero above. - Bank of Canada policy rate: **2.25%** (target; held at the June 10, 2026 announcement); Bank Rate 2.50%; prime **4.45%**. Next announc - Network accessline 72
- Bank of Canada policy rate: **2.25%** (target; held at the June 10, 2026 announcement); Bank Rate 2.50%; prime **4.45%**. Next announcements: Jul 15, Sep 2, Oct 28, Dec 9, 2026. Verify current after each announcement. [Source: https://www - Network accessline 73
- Federal fuel excise tax paused until Labour Day 2026 (~10 cents/L gasoline) — temporary, do not quote after it expires. [Source: https://www.canada.ca/en/department-finance/news/2026/04/spring-economic-update-2026-key-measures.html] - Network accessline 75
## Debt (2026) - **Payday loans: federal cap $14 per $100 advanced in designated provinces + criminal interest rate 35% APR since Jan 1, 2025.** Rates above 35% APR are illegal for personal loans (prior limit was 60% EAR ≈ 48% APR). [Source - Network accessline 76
- **Payday loans: federal cap $14 per $100 advanced in designated provinces + criminal interest rate 35% APR since Jan 1, 2025.** Rates above 35% APR are illegal for personal loans (prior limit was 60% EAR ≈ 48% APR). [Source: https://laws- - Network accessline 77
- Payday loan definition: $1,500 or less, 62 days or less (~365% APR — warn users). [Source: https://www.canada.ca/en/financial-consumer-agency/services/loans/payday-loans.html] - Network accessline 78
- Debt limitation periods (how long creditors can sue): ON/AB/BC/SK/MB/NB/NS 2 years; QC 3; PEI 6. VERIFY BEFORE QUOTING — these are provincial statutes; name the province's limitations act instead of asserting confidently. - Federal studen - Network accessline 79
- Federal student loans: permanently interest-free (since Apr 1, 2023) — no interest strategy needed; attack other debt first. [Source: https://www.canada.ca/en/employment-social-development/news/2023/03/government-of-canada-provides-intere - Network accessline 80
- **PROPOSED (pending Royal Assent): $10 cap on NSF bank fees** (Spring Economic Update 2026) — not yet enforceable. [Source: https://www.canada.ca/en/department-finance/news/2026/04/spring-economic-update-2026-key-measures.html] - Network accessline 95
## Probate (2026) - Ontario: first $50,000 EXEMPT, then $15 per $1,000 (1.5%) above ($500K estate → $6,750). The pre-2020 two-tier rate is dead. [Source: https://www.ontario.ca/laws/statute/98e34] - Network accessline 96
- Ontario: first $50,000 EXEMPT, then $15 per $1,000 (1.5%) above ($500K estate → $6,750). The pre-2020 two-tier rate is dead. [Source: https://www.ontario.ca/laws/statute/98e34] - Network accessline 97
- Manitoba: **$0 — probate fees eliminated** (Nov 6, 2020). [Source: https://www.manitobacourts.mb.ca/site/assets/files/1152/2020-11-06_notice_-_elimination_of_probate_charges.pdf] - Network accessline 98
- BC: $0 to $25K; $6/$1,000 on $25K–$50K (0.6%); $14/$1,000 above (1.4%). A ~$200 filing fee is commonly cited — verify before quoting. [Source: https://www.bclaws.gov.bc.ca/civix/document/id/complete/statreg/00_99004_01] - Network accessline 99
- Alberta: flat brackets, **max $525** (estates over $250K); $35 minimum. [Source: https://www.alberta.ca/court-fees] - Network accessline 100
- Saskatchewan: $200 flat + $7/$1,000 of estate assets. [Source: https://www.saskatchewan.ca/residents/births-deaths-marriages-and-divorces/dealing-with-death/administering-the-estate-of-someone-whos-died/when-the-deceased-does-not-have-las - Network accessline 101
- Quebec: **notarial wills need NO probate**; holograph/witnessed wills need court or notary validation (fee varies — do not quote a dollar amount). [Source: https://www.quebec.ca/en/justice-et-etat-civil/testament-succession/succession/set
references/debt-strategy.md
- Network accessline 685
### Federal Government - Office of the Superintendent of Bankruptcy: https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en - Network accessline 686
- Office of the Superintendent of Bankruptcy: https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en - Network accessline 687
- CRA Collections: https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/when-you-money-collections-cra.html - Network accessline 688
- CRA Taxpayer Relief: https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/complaints-disputes/taxpayer-relief-provisions.html - Network accessline 689
- CRA Prescribed Interest Rates: https://www.canada.ca/en/revenue-agency/services/tax/prescribed-interest-rates.html - Network accessline 690
- Student Loan Repayment Assistance: https://www.canada.ca/en/services/benefits/education/student-aid/grants-loans/repay/assistance/rap/eligibility.html - Network accessline 691
- Financial Consumer Agency of Canada (FCAC): https://www.canada.ca/en/financial-consumer-agency.html - Network accessline 692
- FCAC Payday Loans: https://www.canada.ca/en/financial-consumer-agency/services/loans/payday-loans.html - Network accessline 694
### Credit Bureaus - Equifax Canada: https://www.consumer.equifax.ca/personal/ - Network accessline 695
- Equifax Canada: https://www.consumer.equifax.ca/personal/ - Network accessline 696
- TransUnion Canada: https://www.transunion.ca/ - Network accessline 698
### Non-Profit Credit Counselling - Credit Counselling Canada: https://www.creditcounsellingcanada.ca/ - Network accessline 699
- Credit Counselling Canada: https://www.creditcounsellingcanada.ca/ - Network accessline 700
- 211 Canada (crisis resources): https://211.ca/ - Network accessline 702
### Licensed Insolvency Trustees - Find an LIT: https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/find-licensed-insolvency-trustee - Network accessline 703
- Find an LIT: https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/find-licensed-insolvency-trustee - Network accessline 704
- Hoyes Michalos (educational resource): https://www.hoyes.com/ - Network accessline 705
- MNP Debt (educational resource): https://mnpdebt.ca/ - Network accessline 707
### Provincial Consumer Protection - Ontario: https://www.ontario.ca/page/consumer-protection-ontario - Network accessline 708
- Ontario: https://www.ontario.ca/page/consumer-protection-ontario - Network accessline 709
- BC: https://www.consumerprotectionbc.ca/ - Network accessline 710
- Alberta: https://www.alberta.ca/consumer-protection.aspx - Network accessline 712
### Provincial Limitation Periods - Summary: https://debtsolutions.bdo.ca/what-is-the-statute-of-limitations-on-debt-in-canada/ - Network accessline 713
- Summary: https://debtsolutions.bdo.ca/what-is-the-statute-of-limitations-on-debt-in-canada/ - Network accessline 714
- Provincial comparison: https://www.taxtips.ca/personaltax/debtcollectionlimitationperiods.htm - Network accessline 716
### Bankruptcy Exemptions - By province: https://www.spergel.ca/learning-centre/bankruptcy-exemptions-by-province/ - Network accessline 717
- By province: https://www.spergel.ca/learning-centre/bankruptcy-exemptions-by-province/ - Network accessline 718
- Ontario: https://www.hoyes.com/blog/ontario-bankruptcy-exemptions/
references/estate-planning.md
- Network accessline 1033
### Federal Government - CRA Deemed Disposition: https://www.canada.ca/en/revenue-agency/services/tax/individuals/life-events/what-when-someone-died.html - Network accessline 1034
- CRA Deemed Disposition: https://www.canada.ca/en/revenue-agency/services/tax/individuals/life-events/what-when-someone-died.html - Network accessline 1035
- CRA Final Return Guide: https://www.canada.ca/en/revenue-agency/services/tax/individuals/life-events/what-when-someone-died/final-return.html - Network accessline 1036
- CRA Trust Returns: https://www.canada.ca/en/revenue-agency/services/tax/trust-administrators.html - Network accessline 1038
### Provincial Probate & Estate Law - Ontario Estate Administration Tax: https://www.ontario.ca/page/estate-administration-tax - Network accessline 1039
- Ontario Estate Administration Tax: https://www.ontario.ca/page/estate-administration-tax - Network accessline 1040
- BC Wills, Estates and Succession Act: https://www.bclaws.gov.bc.ca/civix/document/id/complete/statreg/09013_01 - Network accessline 1041
- Alberta Wills and Succession Act: https://www.alberta.ca/wills-and-estates.aspx - Network accessline 1042
- Quebec Succession Law: https://www.revenuquebec.ca/en/citizens/your-situation/liquidators-of-a-succession-702/ - Network accessline 1044
### Probate Fees - Provincial Comparison: https://www.taxtips.ca/estateplanning/probate-fees-by-province.htm - Network accessline 1045
- Provincial Comparison: https://www.taxtips.ca/estateplanning/probate-fees-by-province.htm - Network accessline 1047
### Trusts & Disability Planning - Henson Trusts (Ontario): https://specialneedsplanning.ca/henson-trust/ - Network accessline 1048
- Henson Trusts (Ontario): https://specialneedsplanning.ca/henson-trust/ - Network accessline 1049
- ODSP Trust Rules: https://www.ontario.ca/document/ontario-disability-support-program-policy-directives-income-support/47-funds-held-trust - Network accessline 1051
### Intestacy Rules - Provincial Comparison: https://www.lawdepot.ca/resources/estate-articles/intestate-canada/ - Network accessline 1052
- Provincial Comparison: https://www.lawdepot.ca/resources/estate-articles/intestate-canada/ - Network accessline 1054
### Estate Planning Resources - CPA Canada: https://www.cpacanada.ca/ - Network accessline 1055
- CPA Canada: https://www.cpacanada.ca/ - Network accessline 1056
- FP Canada: https://www.fpcanada.ca/ - Network accessline 1057
- TaxTips.ca Estate Planning: https://www.taxtips.ca/estateplanning.htm - Network accessline 1058
- MoneySense Estate Planning: https://www.moneysense.ca/save/financial-planning/estate-planning/ - Network accessline 1060
### Online Will Platforms (for reference only — not endorsements) - Willful: https://www.willful.co/ - Network accessline 1061
- Willful: https://www.willful.co/ - Network accessline 1062
- Epilogue: https://www.epiloguewills.com/
references/insurance.md
- Network accessline 612
### Industry & Regulatory - Canadian Life and Health Insurance Association (CLHIA): https://www.clhia.ca/ - Network accessline 613
- Canadian Life and Health Insurance Association (CLHIA): https://www.clhia.ca/ - Network accessline 614
- Insurance Bureau of Canada: https://www.ibc.ca/ - Network accessline 615
- Financial Consumer Agency of Canada (FCAC): https://www.canada.ca/en/financial-consumer-agency/services/insurance.html - Network accessline 617
### Comparison & Education - PolicyAdvisor: https://www.policyadvisor.com/ - Network accessline 618
- PolicyAdvisor: https://www.policyadvisor.com/ - Network accessline 619
- PolicyMe: https://www.policyme.com/ - Network accessline 620
- Ratehub Insurance: https://www.ratehub.ca/insurance - Network accessline 621
- Sun Life Insurance: https://www.sunlife.ca/en/insurance/ - Network accessline 622
- Blue Cross Life: https://www.bluecross.ca/life/ - Network accessline 624
### Government Programs - CPP Disability: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-disability-benefit.html - Network accessline 625
- CPP Disability: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-disability-benefit.html - Network accessline 626
- Canada Dental Care Plan: https://www.canada.ca/en/services/benefits/dental/dental-care-plan.html - Network accessline 629
### Provincial Insurance Regulators - Ontario (FSRA): https://www.fsrao.ca/ - Network accessline 630
- Ontario (FSRA): https://www.fsrao.ca/ - Network accessline 631
- BC (BCFSA): https://www.bcfsa.ca/ - Network accessline 632
- Alberta (Treasury Board): https://www.alberta.ca/insurance.aspx - Network accessline 633
- Quebec (AMF): https://lautorite.qc.ca/en/
references/investment-basics.md
- Network accessline 311
### ETF Data - Vanguard Canada — VEQT: https://www.vanguard.ca/en/product/etf/asset-allocation/9692/vanguard-all-equity-etf-portfolio - Network accessline 312
- Vanguard Canada — VEQT: https://www.vanguard.ca/en/product/etf/asset-allocation/9692/vanguard-all-equity-etf-portfolio - Network accessline 313
- Vanguard Canada — VGRO: https://www.vanguard.ca/en/product/etf/asset-allocation/9579/vanguard-growth-etf-portfolio - Network accessline 314
- Vanguard Canada — VBAL: https://www.vanguard.ca/en/product/etf/asset-allocation/9578/vanguard-balanced-etf-portfolio - Network accessline 315
- Vanguard Canada — VCNS: https://www.vanguard.ca/en/product/etf/asset-allocation/9577/vanguard-conservative-etf-portfolio - Network accessline 316
- BlackRock Canada — XEQT: https://www.blackrock.com/ca/investors/en/products/309480/ishares-core-equity-etf-portfolio - Network accessline 317
- BlackRock Canada — XGRO: https://www.blackrock.com/ca/investors/en/products/239447/ - Network accessline 318
- BlackRock Canada — XBAL: https://www.blackrock.com/ca/investors/en/products/239449/ - Network accessline 319
- Morningstar Canada ETF Ratings: https://www.morningstar.ca/ - Network accessline 321
### GIC Rates - WOWA.ca GIC Rates: https://wowa.ca/gic-rates - Network accessline 322
- WOWA.ca GIC Rates: https://wowa.ca/gic-rates - Network accessline 323
- Ratehub.ca GIC Comparison: https://www.ratehub.ca/gics/best-gic-rates - Network accessline 324
- NerdWallet Canada GICs: https://www.nerdwallet.com/ca/p/best/banking/best-gic-rates-in-canada - Network accessline 326
### HISA Rates - HighInterestSavings.ca: https://www.highinterestsavings.ca/chart/ - Network accessline 327
- HighInterestSavings.ca: https://www.highinterestsavings.ca/chart/ - Network accessline 328
- EQ Bank: https://www.eqbank.ca/rates - Network accessline 329
- Ratehub.ca Savings: https://www.ratehub.ca/savings-accounts/accounts/high-interest - Network accessline 331
### HISA ETFs - Global X CASH.TO: https://www.globalx.ca/product/cash - Network accessline 332
- Global X CASH.TO: https://www.globalx.ca/product/cash - Network accessline 333
- Global X HSAV.TO: https://www.globalx.ca/product/hsav - Network accessline 334
- Purpose PSA.TO: https://www.purposeinvest.com/funds/purpose-high-interest-savings-fund - Network accessline 336
### Educational - Canadian Portfolio Manager Blog: https://canadianportfoliomanagerblog.com/ - Network accessline 337
- Canadian Portfolio Manager Blog: https://canadianportfoliomanagerblog.com/ - Network accessline 338
- Million Dollar Journey All-in-One ETFs: https://milliondollarjourney.com/all-in-one-etfs-battle-vanguard-vs-ishares-vs-bmo.htm - Network accessline 339
- Canadian Couch Potato: https://canadiancouchpotato.com/ - Network accessline 341
### Fee Impact Calculator - Larry Bates T-Rex Score: https://larrybates.ca/t-rex-score/ - Network accessline 342
- Larry Bates T-Rex Score: https://larrybates.ca/t-rex-score/
references/life-events.md
- Network accessline 874
### Federal Programs - EI Maternity/Parental: https://www.canada.ca/en/services/benefits/ei/ei-maternity-parental.html - Network accessline 875
- EI Maternity/Parental: https://www.canada.ca/en/services/benefits/ei/ei-maternity-parental.html - Network accessline 876
- CPP Death Benefit: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-death-benefit.html - Network accessline 877
- CPP Survivor's Pension: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-survivor-pension.html - Network accessline 878
- CCB: https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview.html - Network accessline 879
- FHSA: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html - Network accessline 880
- HBP: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html - Network accessline 881
- CESG: https://www.canada.ca/en/services/benefits/education/education-savings/cesg.html - Network accessline 882
- Canada Caregiver Credit: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/canada-caregiver-amount.html - Network accessline 883
- GIS: https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/guaranteed-income-supplement.html - Network accessline 884
- CMHC Insurance: https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers - Network accessline 885
- Moving Expenses: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-21900-moving-expenses.html - Network accessline 887
### Provincial Resources - Ontario Land Transfer Tax: https://www.ontario.ca/document/land-transfer-tax - Network accessline 888
- Ontario Land Transfer Tax: https://www.ontario.ca/document/land-transfer-tax - Network accessline 889
- BC Property Transfer Tax: https://www2.gov.bc.ca/gov/content/taxes/property-taxes/property-transfer-tax - Network accessline 890
- Quebec Parental Insurance Plan (QPIP): https://www.rqap.gouv.qc.ca/en - Network accessline 891
- Provincial tax rates comparison: https://www.taxtips.ca/taxrates/taxcomparison.htm - Network accessline 892
- Provincial probate fees: https://www.taxtips.ca/estateplanning/probate-fees-by-province.htm
references/portfolio-management.md
- Network accessline 613
### CRA Tax Rules - Capital Gains: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-12700-capital-gains.html - Network accessline 614
- Capital Gains: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-12700-capital-gains.html - Network accessline 615
- Superficial Loss Rule: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-12700-capital-gains/completing-schedule-3/superficial-losses.html - Network accessline 616
- Stock Options: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/benefits-allowances/security-options.html - Network accessline 617
- Dividend Tax Credit: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-40425-federal-dividend-tax-credit.html - Network accessline 618
- RRIF Minimum Withdrawals: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/completing-slips-summaries/t4rsp-t4rif-information-returns/payments/chart-prescribed-factors.html - Network accessline 620
### Investment Research - ACB Tracking: https://www.adjustedcostbase.ca/ - Network accessline 621
- ACB Tracking: https://www.adjustedcostbase.ca/ - Network accessline 622
- FP Canada Projection Guidelines: https://www.fpcanada.ca/planners/projection-assumption-guidelines - Network accessline 623
- TaxTips.ca Investment Income: https://www.taxtips.ca/personaltax/investing.htm - Network accessline 624
- Canadian Portfolio Manager Blog: https://www.canadianportfoliomanagerblog.com/ - Network accessline 626
### US-Canada Tax Treaty - Treaty Text: https://www.canada.ca/en/department-finance/programs/tax-policy/tax-treaties/country/united-states-america-convention-consolidated-1980-1983-1984-1995-1997.html - Network accessline 627
- Treaty Text: https://www.canada.ca/en/department-finance/programs/tax-policy/tax-treaties/country/united-states-america-convention-consolidated-1980-1983-1984-1995-1997.html - Network accessline 628
- US Withholding Tax Guide: https://www.taxtips.ca/personaltax/investing/foreigntaxcredit.htm - Network accessline 630
### Platform Comparisons - Wealthsimple: https://www.wealthsimple.com/ - Network accessline 631
- Wealthsimple: https://www.wealthsimple.com/ - Network accessline 632
- Questrade: https://www.questrade.com/ - Network accessline 633
- MoneySense Best Robo-Advisors: https://www.moneysense.ca/save/investing/best-robo-advisors-in-canada/ - Network accessline 634
- FP Canada Find a Planner: https://www.fpcanada.ca/findaplanner - Network accessline 636
### Behavioral Finance - Vanguard Behavioral Finance Research: https://investor.vanguard.com/investor-resources-education - Network accessline 637
- Vanguard Behavioral Finance Research: https://investor.vanguard.com/investor-resources-education
references/provincial-rules.md
- Network accessline 655
### Tax Brackets (All Provinces) - TaxTips.ca Marginal Tax Rates: https://www.taxtips.ca/marginal-tax-rates-in-canada.htm - Network accessline 656
- TaxTips.ca Marginal Tax Rates: https://www.taxtips.ca/marginal-tax-rates-in-canada.htm - Network accessline 657
- TaxTips.ca Provincial Tax Rates: https://www.taxtips.ca/taxrates/taxcomparison.htm - Network accessline 658
- CRA Individual Tax Rates: https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html - Network accessline 660
### Quebec - Revenu Québec: https://www.revenuquebec.ca/en/ - Network accessline 661
- Revenu Québec: https://www.revenuquebec.ca/en/ - Network accessline 662
- Retraite Québec (QPP): https://www.retraitequebec.gouv.qc.ca/en/ - Network accessline 663
- QPIP (Parental Insurance): https://www.rqap.gouv.qc.ca/en - Network accessline 664
- RAMQ (Health Insurance): https://www.ramq.gouv.qc.ca/en - Network accessline 665
- Quebec Education Savings Incentive: https://www.revenuquebec.ca/en/citizens/tax-credits/quebec-education-savings-incentive/ - Network accessline 667
### Provincial Government Websites - Ontario: https://www.ontario.ca/ - Network accessline 668
- Ontario: https://www.ontario.ca/ - Network accessline 669
- BC: https://www2.gov.bc.ca/ - Network accessline 670
- Alberta: https://www.alberta.ca/ - Network accessline 671
- Manitoba: https://www.gov.mb.ca/ - Network accessline 672
- Saskatchewan: https://www.saskatchewan.ca/ - Network accessline 673
- Nova Scotia: https://www.novascotia.ca/ - Network accessline 674
- New Brunswick: https://www2.gnb.ca/ - Network accessline 675
- Newfoundland: https://www.gov.nl.ca/ - Network accessline 676
- PEI: https://www.princeedwardisland.ca/ - Network accessline 677
- Yukon: https://yukon.ca/ - Network accessline 678
- NWT: https://www.gov.nt.ca/ - Network accessline 679
- Nunavut: https://www.gov.nu.ca/ - Network accessline 681
### Provincial Child Benefits - CRA Provincial Benefits: https://www.canada.ca/en/revenue-agency/services/child-family-benefits/provincial-territorial-programs.html - Network accessline 682
- CRA Provincial Benefits: https://www.canada.ca/en/revenue-agency/services/child-family-benefits/provincial-territorial-programs.html - Network accessline 684
### Disability & Income Support - Maytree Social Assistance Summaries: https://maytree.com/social-assistance-summaries/ - Network accessline 685
- Maytree Social Assistance Summaries: https://maytree.com/social-assistance-summaries/ - Network accessline 687
### Northern Living Deductions - CRA Northern Residents: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-25500-northern-reside - Network accessline 688
- CRA Northern Residents: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-25500-northern-residents-deductions.html
references/real-estate.md
- Network accessline 732
### Federal Government - FCAC Mortgage Information: https://www.canada.ca/en/financial-consumer-agency/services/mortgages.html - Network accessline 733
- FCAC Mortgage Information: https://www.canada.ca/en/financial-consumer-agency/services/mortgages.html - Network accessline 734
- FCAC Mortgage Fees: https://www.canada.ca/en/financial-consumer-agency/services/mortgages/reduce-prepayment-penalties.html - Network accessline 735
- CRA Rental Income Guide (T4036): https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4036/rental-income.html - Network accessline 736
- CRA CCA for Rental Property: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/rental-income/capital-cost-allowance-rental-property.html - Network accessline 737
- CMHC Mortgage Insurance: https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers - Network accessline 738
- CMHC Stress Test Rules: https://www.cmhc-schl.gc.ca/consumers/home-buying/mortgage-loan-insurance-for-consumers/cmhc-mortgage-loan-insurance-cost - Network accessline 739
- Principal Residence Exemption: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-12700-capital-gains/principal-residence-other-real-estate - Network accessline 741
### Mortgage Rate Comparison - Ratehub.ca: https://www.ratehub.ca/best-mortgage-rates - Network accessline 742
- Ratehub.ca: https://www.ratehub.ca/best-mortgage-rates - Network accessline 743
- WOWA.ca: https://wowa.ca/mortgage-rates - Network accessline 744
- Rates.ca: https://rates.ca/mortgage-rates - Network accessline 746
### Rent vs Buy - CPA Canada: https://www.cpacanada.ca/news/analysis/buy-rent - Network accessline 747
- CPA Canada: https://www.cpacanada.ca/news/analysis/buy-rent - Network accessline 748
- WOWA Rent vs Buy Calculator: https://wowa.ca/calculators/rent-vs-buy-calculator - Network accessline 750
### Reverse Mortgage - CHIP by HomeEquity Bank: https://www.chip.ca/ - Network accessline 751
- CHIP by HomeEquity Bank: https://www.chip.ca/ - Network accessline 753
### Provincial Land Transfer Tax - Ontario: https://www.ontario.ca/document/land-transfer-tax - Network accessline 754
- Ontario: https://www.ontario.ca/document/land-transfer-tax - Network accessline 755
- BC: https://www2.gov.bc.ca/gov/content/taxes/property-taxes/property-transfer-tax - Network accessline 756
- Quebec: https://www.revenuquebec.ca/en/citizens/consumption-taxes/real-estate-sector/ - Network accessline 757
- Manitoba: https://www.gov.mb.ca/finance/tao/ltt.html - Network accessline 759
### Provincial Property Assessment - Ontario (MPAC): https://www.mpac.ca/ - Network accessline 760
- Ontario (MPAC): https://www.mpac.ca/ - Network accessline 761
- BC Assessment: https://www.bcassessment.ca/ - Network accessline 762
- Alberta: https://www.alberta.ca/property-assessment.aspx
references/retirement-income.md
- Network accessline 644
### Government Programs - CPP Retirement Pension: https://www.canada.ca/en/services/benefits/publicpensions/cpp.html - Network accessline 645
- CPP Retirement Pension: https://www.canada.ca/en/services/benefits/publicpensions/cpp.html - Network accessline 646
- CPP Post-Retirement Benefit: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-post-retirement.html - Network accessline 647
- CPP Payment Amounts: https://www.canada.ca/en/services/benefits/publicpensions/cpp/payment-amounts.html - Network accessline 648
- OAS Payment & Deferral: https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html - Network accessline 649
- OAS Clawback (Recovery Tax): https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html - Network accessline 650
- GIS Eligibility: https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/guaranteed-income-supplement/eligibility.html - Network accessline 651
- RRIF Rules: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/registered-retirement-income-fund-rrif.html - Network accessline 652
- Pension Income Splitting (T1032): https://www.canada.ca/en/revenue-agency/services/forms-publications/forms/t1032.html - Network accessline 653
- CPP Credit Splitting: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-credit-splitting.html - Network accessline 655
### Retirement Planning - FP Canada Projection Guidelines: https://www.fpcanada.ca/planners/projection-assumption-guidelines - Network accessline 656
- FP Canada Projection Guidelines: https://www.fpcanada.ca/planners/projection-assumption-guidelines - Network accessline 657
- TaxTips.ca Retirement: https://www.taxtips.ca/rrsp/rrifminimumwithdrawal.htm - Network accessline 658
- Annuity Rates: https://lifeannuities.com/annuity-rates/ - Network accessline 659
- Sun Life Annuity Calculator: https://www.sunlife.ca/en/tools-and-resources/tools-and-calculators/annuity-calculator/ - Network accessline 661
### Quebec - QPP (Retraite Québec): https://www.retraitequebec.gouv.qc.ca/en/ - Network accessline 662
- QPP (Retraite Québec): https://www.retraitequebec.gouv.qc.ca/en/ - Network accessline 663
- QPP Pension Amounts: https://www.rrq.gouv.qc.ca/en/programmes/regime_rentes/Pages/regime_rentes.aspx
references/self-employed.md
- Network accessline 830
### CRA Business Resources - Starting a Business: https://www.canada.ca/en/revenue-agency/services/tax/businesses/small-businesses-self-employed-income.html - Network accessline 831
- Starting a Business: https://www.canada.ca/en/revenue-agency/services/tax/businesses/small-businesses-self-employed-income.html - Network accessline 832
- Business Expenses (T4002): https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4002.html - Network accessline 833
- GST/HST for Business: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/gst-hst-businesses.html - Network accessline 834
- Home Office Expenses: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/sole-proprietorships-partnerships/report-business-income-expenses/completing-form-t2125/business-use-home-expenses.html - Network accessline 835
- Vehicle Expenses: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/sole-proprietorships-partnerships/report-business-income-expenses/completing-form-t2125/motor-vehicle-expenses.html - Network accessline 836
- Employee vs Self-Employed: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4110.html - Network accessline 837
- Installment Payments: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/making-payments-individuals/paying-your-income-tax-instalments.html - Network accessline 838
- SRED Program: https://www.canada.ca/en/revenue-agency/services/scientific-research-experimental-development-tax-incentive-program.html - Network accessline 840
### Corporate Tax Rates - KPMG Corporate Tax Rates: https://assets.kpmg.com/content/dam/kpmg/ca/pdf/2026/01/ca-federal-and-provincial-territorial-tax-rates-for-income-earned-by-a-ccpc-2025-and-2026.pdf - Network accessline 841
- KPMG Corporate Tax Rates: https://assets.kpmg.com/content/dam/kpmg/ca/pdf/2026/01/ca-federal-and-provincial-territorial-tax-rates-for-income-earned-by-a-ccpc-2025-and-2026.pdf - Network accessline 842
- TaxTips.ca Corporate Rates: https://www.taxtips.ca/smallbusiness/corporatetax/corporate-tax-rates-small-business.htm - Network accessline 843
- CRA Corporation Tax Rates: https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/corporations/corporation-tax-rates.html - Network accessline 845
### LCGE & Business Sale - LCGE: https://www.taxtips.ca/smallbusiness/lifetime-capital-gains-exemption.htm - Network accessline 846
- LCGE: https://www.taxtips.ca/smallbusiness/lifetime-capital-gains-exemption.htm - Network accessline 847
- QSBC Shares: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-12700-capital-gains/completing-schedule-3/qualified-small-business-corporat - Network accessline 849
### Business Financing - BDC (Business Development Bank): https://www.bdc.ca/ - Network accessline 850
- BDC (Business Development Bank): https://www.bdc.ca/ - Network accessline 851
- Canada Small Business Financing Program: https://ised-isde.canada.ca/site/canada-small-business-financing-program/en - Network accessline 853
### IPP - TaxTips.ca IPP: https://www.taxtips.ca/rrsp/individual-pension-plans.htm - Network accessline 854
- TaxTips.ca IPP: https://www.taxtips.ca/rrsp/individual-pension-plans.htm - Network accessline 856
### TOSI Rules - CRA TOSI: https://www.canada.ca/en/revenue-agency/programs/about-canada-revenue-agency-cra/federal-government-budgets/budget-2018-equality-growth-strong-middle-class/proposed-changes-taxation-private-corporations.html - Network accessline 857
- CRA TOSI: https://www.canada.ca/en/revenue-agency/programs/about-canada-revenue-agency-cra/federal-government-budgets/budget-2018-equality-growth-strong-middle-class/proposed-changes-taxation-private-corporations.html
references/tax-filing.md
- Network accessline 638
### CRA Tax Filing - What You Need for Tax Season: https://www.canada.ca/en/revenue-agency/news/newsroom/tax-tips/tax-tips-2026/what-you-need-for-2026-tax-filing-season.html - Network accessline 639
- What You Need for Tax Season: https://www.canada.ca/en/revenue-agency/news/newsroom/tax-tips/tax-tips-2026/what-you-need-for-2026-tax-filing-season.html - Network accessline 640
- Due Dates: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/important-dates-individuals.html - Network accessline 641
- Deductions & Credits: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses.html - Network accessline 642
- NETFILE Certified Software: https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/netfile-overview/certified-software-netfile-program.html - Network accessline 643
- CRA My Account: https://www.canada.ca/en/revenue-agency/services/e-services/digital-services-individuals/account-individuals.html - Network accessline 645
### Disputes & Corrections - T1 Adjustment Request: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/change-your-return.html - Network accessline 646
- T1 Adjustment Request: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/change-your-return.html - Network accessline 647
- Notice of Objection: https://www.canada.ca/en/revenue-agency/services/forms-publications/forms/t400a.html - Network accessline 648
- Voluntary Disclosure: https://www.canada.ca/en/revenue-agency/programs/about-canada-revenue-agency-cra/voluntary-disclosures-program-overview.html - Network accessline 650
### Specific Topics - Medical Expenses: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/lines-33099-33199-eligible-medical-expenses - Network accessline 651
- Medical Expenses: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/lines-33099-33199-eligible-medical-expenses-you-claim-on-your-t - Network accessline 652
- Charitable Donations: https://www.canada.ca/en/revenue-agency/services/charities-giving/charities/policies-guidance/summary-policy-csp-c02-tax-receipts-charitable-organizations.html - Network accessline 653
- Employment Expenses: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-22900-other-employment-expenses.html - Network accessline 654
- Investment Income: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-12700-capital-gains.html - Network accessline 655
- Foreign Income (T1135): https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/information-been-moved/foreign-reporting/foreign-income-verification-statement.html - Network accessline 657
### Tax Calculators & Reference - TaxTips.ca: https://www.taxtips.ca/ - Network accessline 658
- TaxTips.ca: https://www.taxtips.ca/ - Network accessline 659
- Wealthsimple Tax: https://www.wealthsimple.com/en-ca/tax - Network accessline 660
- Community Volunteer Tax Clinics: https://www.canada.ca/en/revenue-agency/services/tax/individuals/community-volunteer-income-tax-program.html
How the signals fit together
Facts from a static read of the files at the pinned commit. They describe what the code does, not why.
Some files could not be read; the facts below still hold.
Signal confidence: 352 facts
- Network access in prose of documentationREADME.md:4Low confidence
- Network access in prose of documentationREADME.md:6Low confidence
- Network access in prose of documentationREADME.md:54Low confidence
- Network access in prose of documentationREADME.md:55Low confidence
- Network access in prose of documentationREADME.md:63Low confidence
- Network access in code of documentationREADME.md:82Low confidence
- Network access in code of documentationREADME.md:84Low confidence
- Network access in code of documentationREADME.md:98Low confidence
- Dangerous shell operation in code of documentationREADME.md:99Low confidence
- Network access in code of documentationREADME.md:99Low confidence
- Dangerous shell operation in code of documentationREADME.md:100Low confidence
- Network access in code of documentationREADME.md:112Low confidence
- Network access in code of documentationREADME.md:114Low confidence
- Network access in prose of documentationREADME.md:311Low confidence
- Network access in prose of documentationREADME.md:312Low confidence
- Network access in prose of documentationREADME.md:313Low confidence
- Network access in prose of documentationREADME.md:314Low confidence
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- Network access in prose of documentationREADME.md:320Low confidence
- Network access in prose of documentationREADME.md:334Low confidence
- Network access in prose of the SKILL.mdSKILL.md:17Low confidence
- Network access in prose of the SKILL.mdSKILL.md:18Low confidence
- Network access in prose of documentationreferences/calculations-and-dashboard.md:222Low confidence
- Network access in prose of documentationreferences/calculations-and-dashboard.md:223Low confidence
- Network access in prose of documentationreferences/cross-border.md:583Low confidence
- Network access in prose of documentationreferences/cross-border.md:584Low confidence
- Network access in prose of documentationreferences/cross-border.md:585Low confidence
- Network access in prose of documentationreferences/cross-border.md:586Low confidence
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- Network access in prose of documentationreferences/cross-border.md:590Low confidence
- Network access in prose of documentationreferences/cross-border.md:591Low confidence
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- Network access in prose of documentationreferences/cross-border.md:594Low confidence
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- Network access in prose of documentationreferences/cross-border.md:598Low confidence
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- Network access in prose of documentationreferences/cross-border.md:600Low confidence
- Network access in prose of documentationreferences/cross-border.md:601Low confidence
- Network access in prose of documentationreferences/cross-border.md:602Low confidence
- Network access in prose of documentationreferences/cross-border.md:604Low confidence
- Network access in prose of documentationreferences/cross-border.md:605Low confidence
- Network access in prose of documentationreferences/cross-border.md:607Low confidence
and 302 more
Works with
| Agent | Status | Evidence | Install to |
|---|---|---|---|
| Claude Code | Native | Manifest .claude-plugin/marketplace.json | .claude/skills/<skill-name>/ |
| Codex | Compatible | Standard SKILL.md SKILL.md | .agents/skills/<skill-name>/ |
| Cursor | Compatible | Standard SKILL.md SKILL.md | .cursor/skills/<skill-name>/ |
| Gemini CLI | Compatible | Standard SKILL.md SKILL.md | .gemini/skills/<skill-name>/ |
| GitHub Copilot | Compatible | Standard SKILL.md SKILL.md | .github/skills/<skill-name>/ |
| OpenCode | Compatible | Standard SKILL.md SKILL.md | .opencode/skills/<skill-name>/ |
- Native The repository ships a manifest, folder or frontmatter field for this agent.
- Compatible A standard SKILL.md that this agent can read.
- Unknown No evidence either way.
Derived automatically from paths, manifests and frontmatter. Not tested on each agent.
