Pourquoi la province compte
The planner estimates federal tax et the selected province or territory's tax rules as part of each retirement year. That can affect RRSP/RRIF withdrawal timing, pension-income splitting, OAS recovery tax interactions et the optimizer's preferred household strategy.
Note pour le Québec : si votre historique de cotisations de retraite relève principalement du RRQ plutôt que du RPC, utilisez l’estimation officielle de Retraite Québec comme donnée du calculateur.
Future tax thresholds are projections because future legislation is unknown. Recalculate after tax-law changes et verify material implementation decisions.