Canadian taxes, real estate and investments — planned together, privately.
HouseDeltas models your salary, registered accounts, life events and home purchase against cited 2026 rules — computed entirely in your browser. Every number shows the CRA, CMHC or statute behind it.
Open the plannerNo account · no analytics · your data never leaves this device · why that's provable
Built for Canadian rules, not converted from American ones
Most planning tools treat Canada as a settings toggle. This one starts from the real thing: marginal brackets with the Ontario surtax and health premium, CPP2 and EI caps, TFSA and RRSP room that actually tracks your history, and a house module built on CMHC premiums, land transfer tax and suite income — in active build on the same tested engine today.
How it works
Enter your numbers
Salary, living costs, savings, one-time life events. No account, nothing to install.
The engine computes with cited rules
2026 federal and Ontario brackets, CPP/CPP2, EI, TFSA and RRSP room — each constant linked to CRA, CMHC, OSFI or statute. Every shortcut the model takes appears as a visible warning, never a silent guess.
Your plan stays yours
Autosaves to this device only. Export your full scenario as JSON in one click, import it anywhere.
Fair questions
Is this financial advice?
No. HouseDeltas is an information tool. Outputs are a direct result of the assumptions you choose, computed from cited public rules. Consult a qualified professional before acting.
Where does my data go?
Nowhere. Your scenario is computed in your browser and persisted only in this browser's IndexedDB. There are no accounts and no analytics — a breach of our servers could not leak your plan, because our servers do not have it.
Are the numbers current?
Rules as of 2026. Every rate, bracket and premium carries its primary source and effective date, and the registry is re-verified on a published schedule.