About Trailfolio
Canadian personal finance runs on numbers: a marginal tax rate, a contribution limit, a mortgage stress test, a benefit clawback. Yet most people make their biggest financial decisions guessing. Trailfolio exists to end the guessing.
We build Canadian personal-finance calculators: RRSP and TFSA planning, income tax and take-home pay for every province, mortgage affordability and CMHC insurance, retirement projections, government benefits, and dozens more, free, in English and French. Beyond the calculators, Trailfolio's scenario planner (free account) models your full financial picture (income, savings, mortgage, retirement) year by year, so you can compare paths before committing to one.
One principle holds everything together: every figure on this site traces to its authoritative source, one click away.
Trailfolio is operated by VivaVan Consulting Inc., a company registered in British Columbia, Canada.
Our standard
Every calculator implements the exact rates, brackets, and limits published by the responsible authority: the Canada Revenue Agency (CRA), the Canada Mortgage and Housing Corporation (CMHC), and Statistics Canada. Rules change every year. We track the source publications and revise promptly when they do. Nothing ships unreviewed: every update is verified by a human against the official source before it goes live. Where a rule is genuinely ambiguous, we say so, because precision includes knowing where certainty ends.
Each calculator cites the specific sources behind its numbers on the page itself; the full list lives on our Data Sources page.
Important disclaimer
Trailfolio provides general information and estimates only. It does not provide financial, tax, investment, or legal advice, and using it does not create an advisor–client relationship. Financial decisions carry real consequences. Before acting, verify your situation against official CRA guidance and consult a qualified financial planner, accountant, or licensed advisor.
Contact
Questions, corrections, or feedback: [email protected]. We read every message, and accuracy reports go straight to the front of our review queue.