# Expatify

> Free tax-planning tools and guides for Canadians leaving Canada.

Expatify helps Canadians understand and plan the tax implications of
emigrating from Canada — departure tax (deemed disposition), Section
216/217 elections, residency status, and ongoing non-resident
obligations. It is a free resource built by the team behind the
Loonies & Sense personal-finance blog (https://www.looniesandsense.ca),
which also offers one-on-one departure-planning consulting.

## Tools

- [Departure Tax Calculator](https://expatify.ca/tools/canada-departure-tax-calculator): Estimate the capital-gains tax from deemed disposition of investments, real estate, and business assets when you leave Canada.
- [Compare Countries](https://expatify.ca/tools/canada-nonresident-withholding-tax-calculator): Rank popular expat destinations by after-tax take-home pay on Canadian income.
- [OAS Eligibility Checker](https://expatify.ca/tools/expat-oas-eligibility-calculator): Check whether you can keep receiving Old Age Security after leaving Canada.
- [Tax Residency Status](https://expatify.ca/tools/canada-tax-residency-checker): Assess whether you remain a Canadian tax resident based on your residential ties.
- [Departure Checklist](https://expatify.ca/tools/leaving-canada-checklist): A 44-item checklist covering CRA notifications, account changes, and banking before and after departure.

## Consulting

- [Work With Us](https://expatify.ca/consulting): Book a one-on-one departure-planning call covering departure tax, residency, pensions, and income.

## Blog — Destination & Topic Guides

- [Moving to Portugal from Canada](https://expatify.ca/blog/portugal)
- [Moving to Mexico from Canada](https://expatify.ca/blog/mexico)
- [Moving to Costa Rica from Canada](https://expatify.ca/blog/costarica)
- [Moving to Colombia from Canada](https://expatify.ca/blog/colombia)
- [Moving to Greece from Canada](https://expatify.ca/blog/greece)
- [Moving to Malaysia from Canada](https://expatify.ca/blog/malaysia)
- [Moving to Panama from Canada](https://expatify.ca/blog/panama)
- [Moving to the Philippines from Canada](https://expatify.ca/blog/philippines)
- [Moving to Spain from Canada](https://expatify.ca/blog/spain)
- [Moving to Thailand from Canada](https://expatify.ca/blog/thailand)
- [Estate Planning for Canadian Expats](https://expatify.ca/blog/estate-planning-for-expats)
- [Ten Mistakes Canadians Make When Leaving](https://expatify.ca/blog/tenmistakes)
- [Moving Abroad with Kids](https://expatify.ca/blog/kids)
- [Driver's Licence, Passport & PR Card Abroad](https://expatify.ca/blog/drivers-licence-passport-pr-card)

## Key Concepts

### What is departure tax?
When you cease to be a Canadian tax resident, the CRA deems you to have sold most of your property at fair market value on your departure date. Capital gains that accrued while you were a resident become taxable immediately — this is the "deemed disposition." Your principal residence, RRSPs, RRIFs, and TFSAs are generally exempt; non-registered investments, rental real estate, and business interests are not.

### What is a Section 216 election?
A non-resident who owns Canadian rental property can elect under Section 216 to file a Canadian return and pay tax on net rental income rather than the default 25% withholding on gross rent. This usually lowers the tax owed and can produce a refund of over-withheld amounts.

### What is a Section 217 election?
A non-resident receiving Canadian pension or benefit income (CPP, OAS, RRSP/RRIF withdrawals) can elect under Section 217 to be taxed at graduated rates instead of the flat 25% withholding. It benefits people whose Canadian income is their main income and whose total worldwide income is modest.

## Target Audience

- Canadians planning to move abroad permanently
- Canadian expats already living overseas
- Retirees moving abroad with CPP/OAS/RRIF income
- Tax professionals advising emigrating clients

## Contact

- Website: https://expatify.ca
- Contact form: https://expatify.ca/contact
- Consulting: https://expatify.ca/consulting
- Newsletter / blog: https://www.looniesandsense.ca