SHEET 001 / PENSIONS
2026-10-22 / 6 MIN READ
What twenty years of indexation does to a CPP pension
Two per cent a year sounds like nothing. Compounded every January, it is the difference between a pension that holds its value and one that quietly shrinks.
SHEET 012 / BENEFITSThe disability benefit inside CPP that many people never check
The same contributions that build a retirement pension also insure against a disability before 65. The rules on recent contributions decide who is covered.
SHEET 011 / BENEFITSWhy one extra dollar of income can matter when you receive GIS
The Guaranteed Income Supplement falls by at least fifty cents for each dollar of other income. Where that dollar comes from changes the arithmetic.
SHEET 010 / SAVINGSWhat inflation does to a workplace pension that isn't indexed
The cheque stays the same. What it buys does not. At two per cent a year, a fixed pension loses about a third of its purchasing power in twenty years.
THE THURSDAY SHEET / FREEThe Thursday Sheet. Rates, thresholds and dates behind Canadian retirement income, on one page.
One email a week, on Thursdays. Unsubscribe from any issue; your address is never passed on to anyone else.
PENSIONS / 5 SHEETSHow the Canada Pension Plan is built, indexed and paid, worked through line by line.
TAXES / 2 SHEETSThe credits and thresholds on a retirement tax return, and what each one is worth in dollars.
SAVINGS / 3 SHEETSRRIFs, TFSAs and workplace pensions: the arithmetic of drawing down what was put away.
BENEFITS / 2 SHEETSIncome-tested and disability benefits, and the rules that decide how much of them arrives.