Disclaimer
Please read this before relying on any number this tool produces.
Estimate only — not an official assessment. Core 2026 tax, payroll and Canada Child Benefit parameters are verified against official publications (last verified September 2026), while some provincial family benefit and childcare formulas remain planning estimates. See Sources & assumptions for each figure.
Eligibility and deadline items are illustrative
The eligibility and deadline module runs on clearly labelled sample rules. Statuses such as “Potentially eligible” describe what may be worth checking for a profile like yours — they are not decisions, and the dates are planning heuristics rather than official program deadlines. Every item must be confirmed with the responsible federal or provincial authority, or with a qualified professional, before you rely on it.
Plans and Premium features
No payment provider is connected in this version, so nothing can be charged and no payment details are collected. The Premium switch only unlocks gated screens locally so the product flow can be tested.
Editorial resources
Guides and checklists are general educational information. They may be incomplete, may use unvalidated placeholders and are not a substitute for current official instructions or professional advice.
Commercial content and independence
Affiliate links, sponsored partners and lead-generation placements are labelled. Commercial relationships never alter calculator assumptions, tax or benefit estimates, childcare modelling, runway costs or results.
Future lead sharing requires consent
Lead sharing is not enabled in this version. If introduced later, no personal information will be sent to a provider until you receive a clear disclosure and give explicit consent.
Independent and not government-affiliated
CARVED is an independent educational project. It is not affiliated with, endorsed by, or operated by the Government of Canada, the Canada Revenue Agency, Revenu Québec, Retraite Québec, or any provincial or territorial government.
Estimates, not determinations
Every figure shown is an estimate produced by simplified models. The tool does not determine eligibility for any benefit, credit, subsidy or program, and cannot tell you what you will actually receive or owe.
Not professional advice
Nothing here is personalized financial, tax, accounting, legal or immigration advice. Your situation may involve residency rules, part-year credits, foreign income reporting or immigration status conditions that this tool does not model.
Placeholder parameters
Some 2026 tax and benefit parameters in this build are clearly labelled placeholder or simplified values used to demonstrate the calculation framework. They are not verified against published schedules and will change.
Confirm with the authorities
Before making a financial, employment or relocation decision, confirm amounts and eligibility directly with the Canada Revenue Agency, Revenu Québec, or your provincial or territorial authority, and consider speaking with a qualified professional.
No liability
The tool is provided as-is, without warranties of accuracy or completeness. We accept no liability for decisions made or losses incurred based on its output.