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Tax coverage
Tax figures for Canada are provisional: tax in the year of death is still being verified. Figures are estimates for planning — computed, not advice — and not tax-filing grade.
Provisional — modelled, some rules still being verified
Tax year / edition
2026 income reference.
Law
Income Tax Act and CRA federal/provincial schedules.
Rules represented
Federal and provincial income tax, investment gains and selected death-tax mechanisms.
Limits to check
Death-year income stacking and property held at death are not comprehensively covered; do not use an incomplete estate result to decide how much to spend.
Six areas. Each one says what is included, what is assumed and what is not covered. A rule’s presence does not mean every combination is supported.
Included: Compare stated income, retirement dates, spending and savings over time in supported plans.
Assumed: Future returns, inflation and spending are modeled assumptions, not predictions.
Not covered: A complete tax return, guaranteed investment outcomes or an assurance that a spending level is safe.
Included: Individual plans and household facts such as separate incomes, account owners and retirement dates.
Assumed: Couples need the applicable filing arrangement and ownership facts; two people are not automatically two equal earners.
Not covered: Blanket support for every couple, dependant or survivor situation; joint-income and death-related results need scenario-specific checks.
Included: Cash, taxable investments and supported named pension or tax-free accounts.
Assumed: Tax treatment depends on account type, owner, location, currency and acquisition cost.
Not covered: Every pension product, trust or foreign account; a balance alone does not establish withdrawal tax treatment.
Included: Property and held-asset inputs, their stated income and planned sales in supported scenarios.
Assumed: A property’s value is not cash available to spend; sale timing, costs and tax treatment matter.
Not covered: Universal home-sale relief, rental-business tax treatment or all equity-compensation arrangements.
Included: Supported repayment and interest-only mortgage cashflows, using stated balances, rates and terms.
Assumed: Borrowing comparisons depend on the entered rate, repayment schedule and refinancing assumptions.
Not covered: Lender approval, guaranteed refinancing, future borrowing rates or arranging a loan for you.
Included: Selected tax mechanisms for relocation, gifts and inheritance; availability depends on the exact situation.
Assumed: Residence, citizenship, beneficiaries, asset location and transaction dates can all change the answer.
Not covered: A complete cross-border or estate plan; death taxes, prior gifts and insurance have material scenario limits.
MyCIO will refuse to give a figure when…
Cross-border
Supporting two countries on their own is not the same as supporting a move between them. So far we have only checked the US–UK pair. For any other pair the plan still runs, but it marks the cross-border tax figures as unverified estimates rather than treating them as reliable.
Figures are estimates for planning — computed, not advice. They are not tax-filing grade and not a substitute for a licensed adviser. Every country page lists what is encoded and what is not. Read the disclosures.
Other launch countries
