Terms of Service

By using CanadaTaxPlanner (“the tool”, “the service”), you agree to these Terms of Service. If you do not agree, please do not use the service.

CanadaTaxPlanner is a free online tax calculator and financial planning tool for Canadian residents. It provides estimates based on publicly available tax rates from the Canada Revenue Agency (CRA) and provincial tax authorities for the 2026 tax year.

While we make every effort to ensure our calculations are accurate and reflect current CRA-published rates:

• Calculations are estimates only. Your actual tax amount may differ.
• Tax rates and benefit amounts are subject to change by the government.
• Our calculations are simplified and may not account for every individual circumstance.
• We do not guarantee the accuracy, completeness, or timeliness of any information provided.

Our tax rates were last verified against CRA publications in March 2026. Sources include T1 General forms, Income Tax Folios, and provincial tax tables.

To the maximum extent permitted by applicable law:

• CanadaTaxPlanner is provided “as is” and “as available” without warranties of any kind.
• We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose.
• We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the service.
• Our total liability shall not exceed the amount paid by you in the preceding 12 months.

You are responsible for:

• Verifying all calculations independently before relying on them.
• Filing your own tax return accurately and on time.
• Keeping your account credentials secure (if you create an account).
• Ensuring the information you enter is accurate.

You agree to indemnify and hold harmless CanadaTaxPlanner, its creators, and contributors from any claims, damages, or expenses arising from your use of the service, your violation of these terms, or your violation of any rights of a third party.

All content, code, design, and branding of CanadaTaxPlanner are owned by us or licensed to us. Tax rates and formulas are derived from publicly available government publications. You may not copy, modify, or distribute the service without our permission.

Our calculations are based on data from:

• Canada Revenue Agency (CRA) — federal tax brackets, BPA, CPP/EI rates
• Provincial tax authorities — provincial brackets, credits, surtaxes
• CMHC — mortgage insurance premium rates
• Government of Canada — CCB, TFSA, FHSA, RRSP, RESP rules

We are not affiliated with, endorsed by, or connected to the CRA or any government agency.

The “optimization tips” and “what-if scenarios” provided by this tool are general suggestions based on simplified models. They should not be interpreted as recommendations to take specific financial actions. Phrases like “may save up to” or “estimated potential savings” indicate rough estimates, not guaranteed outcomes.

We may suspend or terminate access to the service at any time, for any reason, without notice. You may stop using the service at any time.

These terms are governed by the laws of the Province of Ontario, Canada. Any disputes shall be resolved in the courts of Ontario.

We may update these terms at any time. Continued use of the service after changes constitutes acceptance of the updated terms.

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