Reference data foundation

Reference Centre

A structured home for Canadian planning data, thresholds, assumptions, rules, and source-based reference pages used to support OpenBook Planning calculators and educational articles.

Foundational planning assumptions

Source anchors for future calculator defaults

These reference areas should become prominent source anchors for default assumptions used across retirement, tax, pension, and borrowing calculators. Values will be added only after source review and schema work.

FP Canada / IQPF projection assumptions

Annual Canadian planning assumptions for inflation, borrowing cost, asset-class returns, and long-term projection defaults. These can support default values while still allowing user overrides.

Planning assumptions Annual guideline source Reference page planned

Bank of Canada policy rates

Policy-rate and interest-rate reference data for borrowing-cost assumptions, debt planning, mortgage context, and economic update pages. This should remain factual and source-linked.

Interest rates Economic update source Reference page planned

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Reference categories

Browse by planning area

Registered plans

RRSP, TFSA, FHSA, RESP, RRIF, and related plan limits or rules.

Government benefits

OAS, CPP/QPP, GIS, and related thresholds or benefit assumptions.

Taxation

Tax brackets, credits, dividend assumptions, and capital-gain assumptions.

Retirement rules

Withdrawal factors, conversion ages, pension timing, and decumulation rules.

Housing and education programs

Future reference area for housing, student, and education savings program values.

Featured references

Common planning values

RRSP contribution limitsAnnual dollar limits and review labels for registered retirement savings plans.Tax year · Annual review TFSA contribution limitsAnnual TFSA dollar limits, cumulative room context, and recontribution notes.Tax year · Annual review FHSA contribution limitsAnnual, lifetime, and carryforward limits for First Home Savings Accounts.Registered plans · Annual review Federal tax bracketsPrototype table structure for federal bracket thresholds and rates.Tax year · Annual review
Provincial tax bracketsFuture province and territory tax bracket reference pages.Planned
OAS clawback thresholdsPrototype structure for recovery-tax thresholds and age-group limits.Payment period · Annual review
RRIF withdrawal factorsFuture minimum withdrawal factor reference tables.Planned
CPP/QPP contribution ratesFuture contribution-rate and maximum-pensionable-earnings data.Planned