🇨🇦 Home country and destination
Retire in Canada, priced from your own plan
Canada taxes investment gains gently by including only half of them in income. Runway models that inclusion logic at a representative Ontario-style marginal rate, which works out to roughly 14.5 percent effective on a typical drawdown.
What Runway models in Canada
- Only 50 percent of a realised gain enters taxable income, about 14.5 percent effective at the pack's representative rate
- Net rental income at a representative marginal rate
- No wealth tax
- Provincial variation is real; the pack states its representative province in its manifest
| Tax area | What Runway applies (2026) |
|---|---|
| Investment gains | ~14.5% effective (50% of gains taxed) |
| Rental income | 29% modelled on net rent |
| Wealth tax | None modelled |
| Leaving home | Any exit tax your home country charges, priced into the move |
The move itself is part of the price
A move to Canada is never just Canada's tax rules. Leaving a country that charges an exit tax, Norway among them, can trigger a bill on unrealised gains as if you sold on the way out, and Runway prices that into the plan before a single CAD of spending is modelled. The mechanics are in what an exit tax costs when you leave, and the wider tooling question in which FIRE calculators handle a move abroad.
Once you are there, your spending runs in CAD through an exchange-rate scenario you control, so a weak krone decade is a plan you can stress, not a surprise.
Price the whole move, not the postcard
Runway prices a retirement in Canada end to end from your own plan: any exit tax on the way out, Canada's taxes on the drawdown, and your spending in local currency. Your freedom age is free.
Download free on the App StoreFrequently asked
What tax does Runway assume on investment gains in Canada?
Runway includes half of a realised gain in income, Canada's 50 percent inclusion rate, which lands at about 14.5 percent effective at the representative marginal rate the pack uses. The figures are 2026, income-year-stamped, and refreshed as rules change.
Do I still pay an exit tax if I retire to Canada?
It depends where you leave from. Norway charges utflyttingsskatt on unrealised gains and several other home countries charge an exit tax of their own. Runway prices whichever one applies to you into every plan that retires to Canada, as a cost of the move, before the destination's own rules take over on the drawdown.
How does Canada's 50 percent inclusion work?
Half of each realised gain is added to your taxable income and taxed at your marginal rate. Runway applies that mechanic with a representative provincial assumption, stated in the pack manifest, rather than pretending one national number exists.
Figures are 2026, income-year-stamped estimates from the Runway country pack for Canada, produced by the same engine the app runs. They are educational estimates, not financial or tax advice: rules change, and personal cases differ. See the full country list.