How we keep our numbers current

Where figures come from

• CRA — federal brackets, BPA, RRSP/TFSA limits, RRIF factors, tax credits.
• Service Canada — CPP maximum and average new benefits, OAS/GIS quarterly payment amounts, recovery-tax thresholds.
• Every constant in our 2026 dataset is stored with its source URL and the date it was last verified, so each figure can be traced back to the government page it came from.

Refresh cadence

• Annual (January) — tax brackets, RRSP/TFSA limits, YMPE/YAMPE, CPP max, federal credits.
• Quarterly — OAS and GIS maximums (Jan / Apr / Jul / Oct CPI adjustments).
• After each refresh we record a new verification date, re-run the engine's full automated test suite, and update every guide that quotes a dollar amount.

Modelling assumptions

Tools are educational estimates, not advice. Every model simplifies; ours states where. Known simplifications (Quebec provincial tax approximate, GIS tested on same-year income, capital-gains cost-base defaults) are listed on the disclaimer, shown in each tool's assumptions panel, and disclosed in the Plan Builder's PDF export.

Editorial process

Guides are reviewed by The Retirement Beast editorial team. Figures are checked against CRA and Service Canada before the verified stamp is updated.