Ask a Planner

How can couples avoid capital gains tax on property in Canada?

A MoneySense reader asks what tax and probate implications she might face if she inherits a rental property held...

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Tax implications of giving your spouse money to invest

A MoneySense reader wants to give money to his spouse to invest. Can he avoid Canada’s income attribution rules?

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How is investment income taxed in Canada?

A MoneySense reader wants input on the tax implications of her investment withdrawals, but she can’t get a straight...

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How much of a pension does a survivor receive?

A MoneySense reader asks about survivor benefits for spouses. Here’s how defined benefit and CPP survivor payments work in...

Mortgages

How much income do you need to buy a home in Canada? A look at housing affordability in May 2025

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Retirement

RRIF and LIF withdrawal rates: Everything you need to know

Most registered retirement savings plans are eventually converted to registered retirement income funds. Here’s what to know about RRIF...

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How to manage your tax withholding in retirement

Canadians accustomed to annual tax refunds may be surprised to owe tax in retirement and have government benefits clawed...

Budgeting

What is the Canada Carbon Rebate?

Learn about Canada’s carbon tax, launched in 2019 and ended in 2025.

Investing

Wealthsimple Trade in-depth review 2025: The pros and cons of investing on this app

Is it easy to buy and sell stocks and ETFs? Is it safe for Canadian investors? Find out the...