Changelog

2026-09-25: Site restructure: fuller pages, source attribution and new guides

• Merged the 18 TFSA birth-year pages into a single TFSA page with a room table for every birth year, the annual limit history, worked examples and the withdrawal and over-contribution rules. Old birth-year addresses redirect to it.
• Merged the 78 RRSP refund pages (13 provinces by 6 income bands) into one page per province or territory. Each now shows the saving at twelve incomes, the exact combined marginal rate at every income, the provincial brackets and credits, and a comparison with the rest of Canada.
• Corrected two provincial notes carried by the old refund pages: Alberta's 8% first bracket dates from the 2025 tax year, not 2026, and inside the BC tax reduction phase-out range an RRSP deduction saves more than the bracket rate, not less.
• Replaced the approximate Ontario surtax start points with values computed after the basic personal credit, which is how the surtax is actually charged.
• Added explainer pages for the RRSP and the FHSA, a 2026 tax bracket reference for every province and territory, and a single glossary page with every definition.
• Added twelve new guides. Every page now states which official sources it is based on, and the About page explains that the site offers guides, not advice.
• Added a proper 404 page. Previously, unknown addresses returned the home page.