Where the numbers come from
External sources
Netpad is independent and unaffiliated, so everything here points outward to federal and provincial authorities. These are the sites we check when we update our rates, and the ones worth reading before you make a decision about taxes, housing, retirement, investing or protecting yourself from fraud.
Group 01
Taxes and benefits
The definitive sources for personal, payroll and corporate tax rules, brackets, credits and benefit payments. Every rate used on this site traces back to these pages.
- Canada Revenue AgencyFederal income tax, GST/HST, payroll deductions, benefit programs and My Account.
- CRA — Current year tax rates and bracketsOfficial federal and provincial personal income tax brackets for the current tax year.
- CRA — GST/HST rates by provinceWhich sales tax rate applies where, including HST participating provinces.
- Revenu QuébecQuebec administers its own income tax and the QST — file separately from the CRA.
- Ontario Ministry of FinanceOntario corporate rates, land transfer tax and provincial credits.
- Alberta Tax and Revenue AdministrationAlberta personal and corporate tax programs.
- BC Ministry of Finance — TaxesPST, property transfer tax, speculation tax and BC credits.
Group 02
Mortgages, housing and real estate
Federal mortgage rules, insurance requirements, first-time buyer programs and the interest-rate backdrop that sets what lenders quote you.
- Canada Mortgage and Housing Corporation (CMHC)Mortgage loan insurance rules, down payment minimums and housing market data.
- FCAC — MortgagesNeutral guidance on qualifying, renewing, penalties and the stress test.
- Bank of CanadaPolicy interest rate announcements, inflation data and the conventional mortgage rate series.
- OSFI — Guideline B-20The underwriting rules behind the federal mortgage qualifying stress test.
- First Home Savings Account (FHSA)Contribution limits, eligibility and how the FHSA stacks with the RRSP Home Buyers' Plan.
- RRSP Home Buyers' PlanWithdrawal limit, eligibility rules and the 15-year repayment schedule.
Group 03
Retirement and pensions
Public pension entitlements, contribution ceilings and the registered plans that carry your own savings into retirement.
- Service Canada — Canada Pension PlanCPP retirement, disability and survivor benefits, plus the effect of taking it early or late.
- Old Age SecurityOAS payment amounts, the 75+ increase, GIS and the recovery tax threshold.
- Retraite Québec (QPP)The Quebec Pension Plan, which replaces CPP for Quebec workers.
- CRA — RRSPs and related plansRRSP deduction limits, RRIF minimum withdrawals and spousal plan rules.
- Canadian Retirement Income CalculatorThe government's own projection tool covering CPP, OAS, employer pensions and savings.
Group 04
Investing and market regulation
Before you hand money to anyone, confirm they are registered. These regulators publish free, unbiased investor education and disciplinary records.
- Canadian Securities AdministratorsThe umbrella body for provincial securities regulators, including the national registration search.
- CIRO — Advisor ReportCheck whether an investment firm or advisor is registered and in good standing.
- GetSmarterAboutMoney.ca (OSC)Independent, ad-free explanations of GICs, ETFs, mutual funds, fees and risk.
- CDIC — Deposit insuranceWhat is covered if your bank fails, including which GIC terms qualify.
- CRA — Tax-Free Savings AccountTFSA contribution room, over-contribution penalties and qualified investments.
Group 05
Scams, fraud and credit protection
Report fraud, freeze your credit and verify that a caller claiming to be the CRA actually is. Acting in the first 48 hours matters more than anything else.
- Canadian Anti-Fraud CentreReport scams, browse current fraud alerts and see the most common pitches in circulation.
- CRA — Scam alerts and how to verify a callThe CRA never demands payment in gift cards or crypto. Confirm here before you respond.
- Get Cyber SafeFederal guidance on phishing, password security and protecting your accounts.
- Equifax CanadaFree credit report, fraud alerts and credit freezes.
- TransUnion CanadaYour second credit file — check both, since lenders do not always report to each.
Group 06
Estate and life planning
Wills, powers of attorney and health directives are provincial law, so the correct form and wording depend on where you live.
- Department of Justice CanadaFamily law, divorce and federal legal frameworks that shape estate outcomes.
- Ontario — Making a will and powers of attorneyOntario's requirements for valid wills, POAs for property and POAs for personal care.
- BC — Wills, estates and incapacity planningRepresentation agreements, advance directives and BC's Wills Registry.
- Alberta — Wills and estatesEnduring powers of attorney, personal directives and probate in Alberta.
- Chambre des notaires du QuébecIn Quebec, notarial wills and protection mandates are handled by notaries.
Group 07
Everyday money and consumer help
Budgeting tools, banking complaints, debt relief and insurance oversight — the places to go when something has gone wrong with a financial product.
- Financial Consumer Agency of CanadaBudget planners, banking rights, credit card comparison tools and complaint escalation.
- Office of the Superintendent of BankruptcyLicensed insolvency trustee search, consumer proposals and bankruptcy basics.
- Ombudsman for Banking Services and InvestmentsFree, independent dispute resolution once your bank's internal complaint process is exhausted.
- Insurance Bureau of CanadaHome, auto and business insurance guidance, plus disaster and claims information.
- OSFIThe regulator of federally chartered banks, insurers and pension plans.
Links open on third-party government and regulator websites. Netpad receives no compensation for listing them and is not responsible for their content. If a link has moved or a program has changed, let us know on the contact page.