2026 Updates
6 articles in 2026 Updates. Each verified against an official source and linked to a calculator.
-
What Changed in Mortgage Rules for 2026
2026 mortgage policy: insured price cap raised to $1.5M, 30-year amortization now allowed for first-time buyers and new construction (with 0.20% surcharge). Stress test unchanged.
-
What Changed in RRSP for 2026
2026 RRSP dollar limit rose from $32,490 to $33,810 (4.1%). Formula and other rules unchanged. HBP $60,000, FHSA $8,000/$40,000 unchanged.
-
What Changed in Federal Income Tax for 2026
Federal lowest bracket rate is 14% (was 15% before July 2025). Basic Personal Amount $16,452 (was $16,129). All bracket thresholds indexed +2.7%. Other rates unchanged.
-
What Changed in TFSA for 2026
TFSA dollar limit stays at $7,000 for 2026 (third year unchanged) due to rounding rules. Cumulative room reaches $109,000 going into 2026.
-
What Changed in OAS for 2026
OAS Q1 2026 max: $742.31 (65-74), $816.54 (75+). 2026 income-year clawback threshold $95,323. Full clawback ceiling $154,753 (65-74), $160,696 (75+) estimated.
-
What Changed in CPP for 2026
Three meaningful CPP changes for 2026: YMPE $71,300 to $74,600, YAMPE $81,200 to $85,000, max monthly at 65 $1,433.00 to $1,507.65. Contribution rates unchanged.