Government Benefits & Deductions
The federal programs that shape a household's cash flow — what comes off your paycheque for CPP and EI, and what the government pays back in child benefits. These tools show how each is worked out.
These are all federal, so the rates are the same coast to coast — no province selector needed. CPP takes 5.95% of your pensionable earnings toward your future pension; EI takes 1.63% of insurable earnings and funds the benefit you can claim if you lose your job. The Canada Child Benefit runs the other way — a tax-free monthly payment that scales down as family income rises. The calculators below break down each one.
Disability Tax Credit
What the DTC is worth this year — and backdated up to 10 years, which is where the real money is.
Child Disability Benefit
The monthly CCB top-up for a DTC-approved child, worked out from your family income.
RDSP Grant & Bond
How much the government adds to a disability savings plan — $1,500 in can attract $3,500.
OAS Calculator
How much Old Age Security you'd get and how much the recovery tax claws back — both from one set of inputs.
GIS Calculator
Estimate the Guaranteed Income Supplement for a low-income senior — all four marital-status categories handled.
Canada Child Benefit
Your monthly CCB by children's ages and adjusted family net income, with the phase-out done right.
CPP Calculator
How your annual CPP contribution is built from the $3,500 exemption up to the yearly maximum.
CPP at 60 vs 65
Take CPP early or wait? Your break-even age and the lifetime totals side by side.
EI Calculator
How many insurable hours you need, and roughly what a weekly EI payment would be.
EI Maternity & Parental
Standard vs extended parental leave, side by side — weekly amount, weeks and total.