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Guides
Plain-English explanations behind each calculator — how the rules actually work, with a worked example and the common mistakes people make. General information only, not tax, legal, or immigration advice.
RRSP Withholding Tax for US Residents, Explained
Why Canada withholds 25% on a lump-sum RRSP collapse but only 15% on RRIF payments — and how to legally get the lower rate.
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Canada's Departure Tax, Explained
What the CRA's deemed disposition actually taxes, what it exempts, and how to defer the bill.
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CPP, OAS, and Social Security: When to Claim as a Cross-Border Retiree
How the Totalization Agreement works, and why the "claim early vs. late" math changes when you've split a career across two countries.
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Moving Back to Canada from the US: What Happens to Your Accounts
Residency rules, the US exit tax for long-term Green Card holders, and what happens to your 401(k), Roth, and TFSA on the way home.
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CoastFIRE for Cross-Border Canadians
What CoastFIRE means when your accounts sit in two currencies and two tax systems at once.
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RRSP vs. TFSA vs. 401(k)/IRA: Retirement Drawdown Order
Why the order you draw down accounts in retirement can be worth tens of thousands of dollars in lifetime tax.
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Methodology & Sources
Every figure and rule behind each calculator, traced to its CRA, IRS, or Income Tax Act citation.
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US Estate Tax for Canadians, Explained
Owning US stocks or a Florida condo can expose you to US estate tax on death — even with no US citizenship or residency.
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Why Parallel49?
Parallel sets of cross-border accounts, and the 49th parallel that runs between them.
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