📚 BC Finance Blog

BC Finance Blog 2026

Guides on BC taxes, real estate, retirement and family benefits, written from official sources and checked against our calculators.

BC income tax, CPP and registered accounts explained with 2026 figures.

Property transfer tax, the mortgage stress test and the cost of owning vs renting in BC.

OAS, RRIF withdrawals and retirement income planning for British Columbians.

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CCB, BC family benefit, child care costs and EI parental leave in BC.

All guides

BC Income Tax Brackets 2026

2026 federal and BC income tax brackets, the new 5.6% lowest BC rate, the tax reduction credit and combined marginal rates from $40,000 to $300,000.

CPP Contributions 2026: BC Guide to CPP and CPP2

2026 CPP and CPP2 rates, maximum contributions ($4,230.45 + $416.00), the $1,507.65 maximum pension and when to start.

RRSP vs TFSA vs FHSA 2026: Which Is Best for BC Residents?

2026 RRSP ($33,810), TFSA ($7,000) and FHSA ($8,000) limits, with a worked BC example and a simple rule for choosing.

Canada Child Benefit 2026: BC Guide to CCB and the BC Family Benefit

CCB for July 2026 to June 2027: up to $8,157 per child under 6 and $6,883 for ages 6 to 17, plus the BC Family Benefit and worked examples.

Child Care Costs in BC 2026: $10-a-Day Centres vs Private Care

Compare ChildCareBC $10-a-day centres with private child care in BC, with the federal deduction limits and a worked after-tax example.

EI Maternity and Parental Benefits 2026: BC Guide

2026 EI maternity and parental rates in BC: 15 weeks of maternity, up to 40 weeks of parental, a maximum of $729 a week.

BC Property Transfer Tax 2026: Rates, Exemptions and Examples

BC property transfer tax rates for 2026, the first-time buyer exemption up to $835,000, new-home exemption and the 20% foreign buyer tax, with worked examples.

BC Mortgage Stress Test 2026: OSFI B-20 Guide

How the OSFI B-20 stress test works in 2026: the 5.25% floor or rate + 2%, the 39%/44% debt ratios and a worked BC example.

Buying vs Renting in BC 2026: The True Cost Comparison

A worked $900,000 BC example: owning costs about $4,602 a month before price changes. See how appreciation and rent change the buy-or-rent answer.

OAS Pension 2026: BC Guide to Old Age Security

OAS for October-December 2026: $762.50 a month at 65 to 74, how the recovery tax starts at $95,323, and what deferral to 70 is worth.

RRIF Minimum Withdrawal Rules 2026: BC Tax Planning Guide

How the RRIF minimum is calculated (1/(90 − age) before 71, a fixed table after), when you must convert your RRSP, and ways to cut tax in BC.

BC Retirement Income Planning 2026: CPP, OAS and RRIF Strategy

How CPP, OAS, RRIF and TFSA fit together for a BC retiree, with a worked example replacing about 52% of a $90,000 salary and a list of key ages.