Guides

Where you retire — and where you spend your encore years — changes the math. Here's what actually changes, and by how much.

Featured

• Retiring abroad, as a Canadian

  Snowbird vs. non-resident — and what a 25% flat withholding actually costs you, modelled side by side.

By province

Retirement tax isn't the same everywhere in Canada — provincial brackets, surtaxes, indexation rules, and probate fees all differ. Pick your province for the specifics, plus a calculator preset to it.

• Retiring in British Columbia

  BC's own tax brackets and basic personal amount are frozen from 2027 through 2030 — so as your income rises with inflation, more of it drifts into higher provincial brackets than a fully-indexed province would let happen.

• Retiring in Ontario

  Ontario adds two things most other provinces don't: a surtax on top of provincial tax once it passes a threshold, and the separate Ontario Health Premium — both of which show up as a bigger bite than the posted bracket rates suggest.

• Retiring in Alberta

  Alberta has no provincial sales tax and, more relevantly for retirement, a flat, capped probate fee — a materially different estate-cost picture than provinces charging a percentage of the whole estate.

Don't see your province yet — the full plan builder already covers all 13 provinces and territories — the guides above are just the first ones we've written up.