How much of your savings would reach your family?
At death, Canada taxes your savings as if you'd sold everything that day. An RRSP or RRIF counts as income in full, on one final return. Half of the gain on non-registered investments is taxed too. A TFSA passes untaxed. Then most provinces charge probate on what's left.
This uses the same 2026 federal and provincial brackets and probate schedules your full plan does — for all 13 provinces and territories — in your browser.
If you have a spouse, none of this happens at the first death. Registered accounts and investments roll to them untaxed, and the bill comes due at the second. Enter what the survivor would hold.
What this leaves out. Probate here is on these accounts only — a home or other property that passes through the will adds to it in most provinces. A principal residence is free of capital gains tax, but a cottage or rental is not. Named beneficiaries on a registered account can keep it out of probate, though not out of the income tax. The final return's age and pension credits, and executor and legal fees, aren't counted.
To see your estate at the end of a whole retirement — and how much bigger the right withdrawal order makes it — build your full plan, free.
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