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2025 CPP Increase: New Contribution Rates & What It Means for Your Paycheque If your January–February 2025 paycheque from a Canadian employer suddenly shows a larger “CPP” deduction, it’s not a payroll error. The Canada Pension Plan was enhanced again on January 1, 2025, and both the maximum pensionable earnings and the new second ceiling (CPP2) are now higher. Understanding these changes is essential if you’re budgeting closely, self-employed, or planning RRSP/TFSA contributions. 1. 2025 CPP Changes at a Glance For 2025, CPP has two income ceilings and two sets of contributions: Base CPP (CPP1) – applies to earnings between $3,500 and the first ceiling (YMPE). Additional CPP (CPP2) – applies to earnings between the first and second ceiling (YAMPE). Key 2025 CPP Numbers Item (2025) Amount / Rate Source Year’s Maximum Pensionable Earnings (YMPE) $71,300 CRA CPP contribution rat...

2025 Canada Carbon Rebate Final Payment: Program Shutdown, April Dates & Amounts by Province In 2025, the Canada Carbon Rebate (CCR) fundamentally changed. The federal government ended the federal fuel charge and the CCR program , and the April 2025 payment was the last carbon rebate most households will ever receive. There are no July or October 2025 payments , and there is currently no replacement federal quarterly rebate for consumers. This article explains what changed, the final April payment dates, and how much you actually received by province. Suggested thumbnail: a flat illustration of a red Canadian maple leaf, a large calendar page marked “April 22 2025”, and a CRA-style deposit notification on a smartphone. Clean, infographic style, no people. 1. Key 2025 Change: Canada Carbon Rebate Program Closed The Canada Carbon Rebate (formerly Climate Action Incentive Payment) was a tax-free quarterly payment funded by the federal fuel charge. It helped h...

2025 Canada Winter Energy Relief Programs: Heating Assistance by Province 2025 Winter Energy Relief Programs: Heating Assistance by Province Thumbnail idea: A snowy Canadian street at dusk with warm light glowing from house windows and a close-up of a thermostat showing “HEAT ON” — overlaid text: “2025 Winter Energy Relief: Heating Assistance by Province”. Winter 2025–26 is already expensive for many Canadians. Heating oil, electricity and natural gas costs are rising, and at the same time several federal programs (like Canada Greener Homes) have closed to new applicants. If you don’t know which winter energy relief programs your province offers, you could end up paying hundreds more than you need to – or worse, risk falling behind on your bill and facing collection or disconnection. This guide walks through the major types of heating assistance by province , with practical checklists you can use before the coldest months hit. It’s designed for renters and hom...

2025 EI Benefits: New $695 Payment, Eligibility Rules & How to Apply 2025 EI Benefits: New Payment Amounts, Eligibility Rules & Application Guide Canada’s Employment Insurance (EI) program has undergone several important updates for 2025, including new benefit amounts, higher insurable earnings, and temporary measures that speed up payments. This fact-checked guide explains how much EI pays in 2025, who qualifies, how the temporary rules work, and how to apply without delays. All information below reflects Canada.ca, Service Canada, and ESDC guidelines as of December 3, 2025. 1. Updated EI Benefit Amounts for 2025 The federal government increased EI benefit rates for 2025. The updated values are: 55% of your average insurable weekly earnings 2025 Maximum Insurable Earnings (MIE): $65,700 2025 Maximum Weekly EI Benefit: $695 (previously $668 in 2024) This higher cap applies to all EI claims beginning January 1, 2025 or later. ...

2025 Renoviction Canada Guide: How to Identify Illegal Renovictions & Protect Your Rights 2025 Renoviction Canada Guide: How to Spot Illegal Renovictions & Protect Your Rights “Renoviction” remains one of the biggest threats to renters across Canada in 2025. While landlords are allowed to renovate, they are not allowed to evict tenants illegally, exaggerate the extent of repairs, or use renovations as an excuse to raise rent beyond legal caps. This guide explains how renovictions work, how to identify illegal attempts, and the 2025 provincial rules that protect tenants in BC, Ontario, Quebec, Manitoba, and more. ▶ Table of Contents 1. What Is a Renoviction? 2. How to Identify an Illegal Renoviction 3. 2025 Provincial Rules on Renovictions 4. Evidence Tenants Should Collect 5. How to Respond to a Renoviction Notice 6. Additional Tenant Protections in 2025 7. FAQ 1. What Is a “Renoviction”? A renoviction ...

2025 Canada Rental Deposit Rules: Security Deposit & Key Deposit Checklist 2025 Canada Rental Deposit Rules: Security Deposit & Key Deposit Illegal Charge Checklist In 2025, security deposits and key deposits remain one of the most confusing parts of renting in Canada. Some provinces strictly limit what landlords can collect, while others allow additional deposits within reason. This guide explains every province’s rules, what counts as an illegal charge , and the complete checklist tenants should use before paying any deposit. ▶ Table of Contents 1. Canada Rental Deposit Rules (Province Overview) 2. Security Deposit Limits by Province (2025) 3. Are Key Deposits Legal in Canada? 4. Illegal Deposit Charges Landlords Cannot Collect 5. Tenant Checklist: How to Detect Illegal Deposit Requests 6. FAQ 1. Canada Rental Deposit Rules: Quick Overview Rental deposit laws vary significantly between provinces. The two ...