Marriage unlocks significant tax benefits that most couples never claim. Spousal credits, income splitting, and RRSP strategies can save $2,000–$5,000+ in year one, and tens of thousands over your lifetime together.
THE NUMBERS
Average Year 1 Savings
$2,840
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Spousal Amount Credit
Up to $15,705 non-refundable credit. Saves ~$2,356/year if one spouse earns less.
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Income Splitting via RRSP
Higher earner contributes to spouse's RRSP. Both benefit in retirement with lower taxes.
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Child Care Deduction
Lower earner claims up to $8,000/year. Reduces taxable income immediately.
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Pension Income Splitting
If either spouse is 65+, split eligible pension income up to 50%. Can save $5K–$15K/year.
👉 What to do next
1
Use the Smart Calculator to see your exact tax savings based on province, income, and life plans
2
Answer a few questions to generate your personalized checklist (8–15 critical tasks, not 20)
3
Use the Money Conversation Starter to align with your spouse on finances before the wedding
4
Check the decision trees for marriage contracts and first-year tax filing