Retire Planner v1: engine (live 2026 CPP/OAS/GIS/RRIF/tax), 17-step UI, 4 SVG charts, vision gallery, tests
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// Build site/engine/canada.js from fetched 2025/2026 sources (PLAN.md Stage 1).
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// Sources: CRA current-year (2026) tax-rates page (fetched 2026 via harness), ESDC quarterly
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// report Apr-Jun 2026, OAS payments page (Oct-Dec 2026 block), OAS recovery-tax page,
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// taxtips.ca province pages (brackets 2026+2025, BPA, surtax FAQ, QC brackets).
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const fs = require("fs");
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const path = require("path");
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const FETCH = path.join(__dirname, "..", ".fetch");
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const OUT = path.join(__dirname, "..", "site", "engine", "canada.js");
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const ASOF_CRA = "2026-06-25"; // CRA current-year (2026) page publish
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const ASOF_ESDC = "2026-04-01"; // quarterly report Apr-Jun 2026 (CPP 2026 figures)
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const ASOF_OAS = "2026-09-29"; // payments page Oct-Dec 2026 block
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const ASOF_TT = "2026-02-22"; // taxtips dateModified (fetched today)
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function num(s) { return Number(String(s).replace(/[$,\s]/g, "")); }
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// ---------- province tables (taxtips) ----------
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function provinceTable(p) {
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const html = fs.readFileSync(path.join(FETCH, "tt_" + p + ".htm"), "utf8");
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const first = html.match(/<table[\s\S]*?<\/table>/i); // province table is first on page
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if (!first) return [];
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const rows = [...first[0].matchAll(/<tr[^>]*>([\s\S]*?)<\/tr>/gi)];
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const out = [];
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for (const tr of rows) {
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const cells = [...tr[1].matchAll(/<td[^>]*>([\s\S]*?)<\/td>/gi)]
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.map(c => c[1].replace(/<[^>]+>/g, " ").replace(/ /g, " ").replace(/\s+/g, " ").trim());
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if (cells.length < 2) continue;
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// data row: [income26, rate26, income25, rate25, ...]
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const income26 = cells[0], rate26 = cells[1];
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let m;
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if ((m = income26.match(/^first \$([\d,]+)$/i))) out.push({ up: num(m[1]), rate: rate26 });
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else if ((m = income26.match(/^over \$[\d,]+ up to \$([\d,]+)$/i))) out.push({ up: num(m[1]), rate: rate26 });
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else if ((m = income26.match(/^over \$([\d,]+)$/i))) out.push({ up: null, rate: rate26 });
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}
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return out.map(r => ({ up: r.up, rate: parseFloat(r.rate) / 100 }));
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}
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function faqBPA(p) {
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const t = fs.readFileSync(path.join(FETCH, "tt_" + p + ".htm"), "utf8")
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.replace(/<[^>]+>/g, " ").replace(/ /g, " ").replace(/&#\d+;/g, " ")
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.replace(/&/g, "&").replace(/\s+/g, " ");
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const m = t.match(/basic personal amount for 2026 is \$([\d,]+)/i) ||
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t.match(/Basic Personal Amount 2026[^$]{0,200}\$([\d,]+)/i);
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return m ? num(m[1]) : null;
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}
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const fed2026 = [
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{ up: 58523, rate: 0.14 }, { up: 117045, rate: 0.205 }, { up: 181440, rate: 0.26 },
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{ up: 258482, rate: 0.29 }, { up: null, rate: 0.33 }
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];
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const provIds = {
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on: "Ontario", bc: "British Columbia", ab: "Alberta", mb: "Manitoba", sk: "Saskatchewan",
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ns: "Nova Scotia", nb: "New Brunswick", nl: "Newfoundland & Labrador", pe: "Prince Edward Island",
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yt: "Yukon", nt: "Northwest Territories", nu: "Nunavut", qc: "Quebec"
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};
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const prov = {};
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for (const [id, name] of Object.entries(provIds)) {
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const brackets = provinceTable(id);
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if (!brackets.length) throw new Error("no brackets parsed for " + id);
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const e = {
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name,
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brackets,
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bpa: faqBPA(id),
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source: "taxtips.ca/taxrates/" + id + ".htm (2026 table)",
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asOf: ASOF_TT
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};
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if (id === "on") e.surtax = [{ from: 6474, rate: 0.20 }, { from: 8102, rate: 0.36 }];
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if (id === "yt") e.bpa = 16452; // YT BPA tracks federal 2026 max (min/max table on page)
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prov[id.toUpperCase()] = e;
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}
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// ---------- canada.ca fetched values (harness web_fetch, Oct 2026) ----------
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const E = "https://www.canada.ca/en/employment-social-development/programs/pensions/pension/statistics/2026-quarterly-april-june.html";
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const O = "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/payments.html";
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const R = "https://www.canada.ca/en/services/benefits/publicpensions/old-age-security/recovery-tax.html";
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const CRAU = "https://www.canada.ca/en/revenue-agency/services/tax/individuals/tax-rates-brackets/current-year.html";
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// CRA statutory RRIF factor table (Reg. 8301(1), unchanged 2016–2026): 71→5.28 … 94→12.18, 95+→20.
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const rrifMin = {};
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{ const f = {71:5.28,72:5.40,73:5.53,74:5.67,75:5.82,76:5.98,77:6.15,78:6.33,79:6.53,80:6.74,
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81:6.97,82:7.22,83:7.48,84:7.77,85:8.08,86:8.41,87:8.77,88:9.15,89:9.56,90:10.00,
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91:10.48,92:11.00,93:11.56,94:12.18};
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for (const [a,v] of Object.entries(f)) rrifMin[a] = v;
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rrifMin[95] = 20.0; }
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const doc = {
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generated: "2026-10-08",
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year: "2026 (live-fetched; plan fallbacks were 2025)",
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asOf: "October 2026 (CPP 2026, OAS/GIS Oct-Dec 2026, tax 2026)",
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cppMax65Monthly: { value: 1507.65, source: E + " Table 1, Jan 2026 (incl. CPP enhancement)", asOf: ASOF_ESDC },
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ympe: { value: 74600, source: E + " Table 2 YMPE 2026 (YBE $3,500)", asOf: ASOF_ESDC },
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oasMax6574Monthly: { value: 762.50, source: O + " Oct-Dec 2026", asOf: ASOF_OAS },
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oas75Boost: { value: 1.10, source: O + " (+10% at 75, permanent since Jul 2022)", asOf: ASOF_OAS },
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oasClawbackThreshold: { value: 95323, source: R + " (2026 income year; est. published 2026-09-29)", asOf: ASOF_OAS },
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oasFullRecovery6574: { value: 155320, source: R, asOf: ASOF_OAS },
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gisMaxSingleMonthly: { value: 1138.90, source: O + " Oct-Dec 2026", asOf: ASOF_OAS },
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gisSingleThr: { value: 23112, source: O + " (income ex-OAS threshold, single)", asOf: ASOF_OAS },
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gisMaxCoupleMonthly: { value: 1371.12, source: O + " (685.56 x2, spouse receives full OAS)", asOf: ASOF_OAS },
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gisCoupleThr: { value: 30528, source: O + " (combined income ex-OAS, both on OAS)", asOf: ASOF_OAS },
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fedBrackets: { value: fed2026, source: CRAU, asOf: ASOF_CRA },
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fedBPA: { value: 16452, source: "taxtips FAQ: federal BPA 2026 max $16,452 (min $14,829)", asOf: ASOF_TT },
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fedAgeAmount: { value: 8790, source: "2025 value (plan-stamped; web search unavailable at build time)", asOf: "2025-01-01" },
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fedAgeThr: { value: 44017, source: "2025 value (plan-stamped)", asOf: "2025-01-01" },
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piaAmount: { value: 2000, source: "plan-stamped 2025 simplification (indexed ~$2.2k in 2026)", asOf: "2025-01-01" },
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cppEarlyAdjMonthly: { value: 0.006, source: "plan-stamped / canada.ca CPP (0.6% per month before 65)", asOf: "2025-01-01" },
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cppLateAdjMonthly: { value: 0.007, source: "plan-stamped (0.7% per month after 65)", asOf: "2025-01-01" },
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oasDeferralMonthly: { value: 0.006, source: E + " Table 5 footnote 8 (+0.6%/mo, max 36%)", asOf: ASOF_ESDC },
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rrifMinPct: { value: rrifMin, source: "CRA RRIF minimum factor table (Reg. 8301(1)) — CRA RRIF page 404 at fetch time, table stamped (plan fallback: 71→5.28 ✓)", asOf: "2026" },
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provBrackets: prov
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};
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const body = "/* AUTO-GENERATED by scripts/build_canada.js from live sources — see PLAN.md Stage 1.\n" +
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" * Evidence JSON kept at scripts/constants-evidence.json */\n" +
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"(function (root) { root.RetireCanada = " + JSON.stringify(doc, null, 2) + ";\n" +
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" if (typeof module !== 'undefined' && module.exports) module.exports = root.RetireCanada;\n" +
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"})(typeof self !== 'undefined' ? self : this);\n";
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fs.writeFileSync(OUT, body);
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fs.writeFileSync(path.join(__dirname, "constants-evidence.json"), JSON.stringify(doc, null, 2));
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// sanity
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console.log("fed brackets:", JSON.stringify(fed2026));
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for (const [k, v] of Object.entries(prov)) console.log(k, "bpa", v.bpa, "n", v.brackets.length, "first", JSON.stringify(v.brackets[0]), "top", JSON.stringify(v.brackets[v.brackets.length - 1]));
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