Почему провинция важна
The planner estimates federal tax и 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 и the optimizer's preferred household strategy.
Примечание для Квебека: если ваша история пенсионных взносов в основном относится к QPP, а не CPP, используйте официальную оценку Retraite Québec как входное значение калькулятора.
Future tax thresholds are projections because future legislation is unknown. Recalculate after tax-law changes и verify material implementation decisions.