2025 Financial Planning Numbers For Canadians
The financial numbers and data you need in one place, summarized and simplified.
Written by
Ryan Gubic
Published on
9
Apr 2025
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Why These Numbers Matter for 2025
As a Calgary-based professional, retiree, or business owner, staying current on Canada’s financial planning numbers helps you make smarter tax and investment decisions. These updated 2025 contribution limits and thresholds are the foundation of strategies we use to reduce taxes, grow wealth, and plan for retirement.
What's New in 2025
The 2025 financial planning numbers for Canadians summary includes:
- TFSA annual contribution amounts
- RRSP contribution limits
- RRSP deadlines
- RRIF minimum withdrawal percentages
- RRIF dates and deadlines
- RESP deposits, grants and limits
- RDSP amounts, deadlines and grants
- Capital gains exemptions
- Mortgage estimator
- Compound interest estimator
- Personal exemptions
- OAS amounts and clawback info
- Federal income tax brackets and rates
- Combined Federal and Provincial/Territorial income tax brackets and rates
- Important dates
How to Use These Numbers in Your Financial Planning
At MRG Wealth, we use these figures in:
• RRSP vs TFSA planning – choosing the right account depending on your income
• Retirement income planning – minimizing OAS clawback and tax brackets
• Business owner compensation planning – balancing salary and dividends
• Pension income splitting and RRIF strategies
If you’re unsure how these 2025 limits apply to your situation, we’re here to help translate financial numbers into meaningful action. If you’re in Calgary and thinking about how to maximize contributions or reduce taxes, local factors like Alberta’s flat tax, housing costs, and retirement lifestyle expectations matter.
That’s why we build personalized strategies based on your goals, assets, and income in Calgary.
Ready to put the 2025 financial numbers to work?
Book a financial planning introduction session and we’ll show you how to make every dollar count this year.
Ryan Gubic is the founder of MRG Wealth Management Inc. operating as MRG Wealth (“MRG”) and is a Portfolio Manager with MRG investments of Aligned Capital Partners Inc. (“ACPI”). The opinions expressed are not necessarily those of MRG, ACPI, or Ryan Gubic. This material is provided for general information and the opinions expressed and information provided herein are subject to change without notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. Before acting on the information presented, seek professional financial advice based on your personal circumstances. ACPI is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and the Canadian Investment Regulatory Organization (“CIRO”). Investment services are provided through MRG Investments, an approved trade name of ACPI. Only investment-related products and services are offered through MRG Investments of ACPI and covered by the CIPF. Financial planning and insurance services are provided through MRG. MRG is an independent company separate and distinct from MRG Investments of ACPI.
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