Personal Finance & Tax

Tax on a sale — US short vs long-term, or Canada's 50% inclusion.

Tax refund + tax-free growth from Canada's First Home Savings Account.

Your free government grant (20% match) plus projected education savings.

Tax-deferred vs tax-free — which wins given your brackets now and in retirement.

How much free money your employer match is worth this year.

Short-term vs long-term — what a sale costs you in tax.

The 20% government match on your RESP — and how to max it.

$8,000 a year, carry-forward up to $8,000, $40,000 lifetime.

Turn an hourly wage into a yearly, monthly, and weekly figure.

Regular plus time-and-a-half — your real weekly gross.

18% of last year's income, capped — plus any room you've carried forward.

What your annual salary really works out to per hour.

This year's limit, plus carry-forward and last year's withdrawals.

Net pay by state or province — federal + local tax, FICA or CPP/EI.

See your refund before you contribute — progressive brackets, US & Canada.