Last updated: 2026 assumptions reviewed. Assumptions & sources
Tools & Resources

2026 Finance Assumptions & Sources

The calculators use reviewed Canadian tax, payroll, registered account, and mortgage assumptions. These figures are educational estimates, not tax or financial advice.

Registered Accounts

TFSA annual limit
$7,000
TFSA cumulative room if eligible since 2009
$102,000
RRSP dollar limit
$33,810
FHSA annual / lifetime limits
$8,000 / $40,000
RRSP Home Buyers' Plan limit
$60,000

Payroll

CPP
5.95%, YMPE $74,600, max $4,230.45
CPP2
4% on $74,600 to $85,000, max $416
EI outside Quebec
1.63%, MIE $68,900, max $1,123.07
Quebec EI / QPP / QPIP
EI 1.30%, QPP 6.30%, QPIP 0.430%

Mortgage & Housing

Stress test
Greater of contract rate + 2% or 5.25%.
CMHC insurance
Premium rates in the calculators range from 0.60% to 4.00% of the loan amount, depending on loan-to-value.
CMHC purchase price ceiling
$1,500,000 for insured homeowner purchases.