601 plain-English guides on cross-border, each one ending in what to do next.
Page 15 of 26, newest first.
Utah's flat 4.65% income tax, no local income taxes, and the growing Silicon Slopes tech corridor are drawing Canadian tech workers and retirees alike.
Cross-BorderThe federal cross-border mechanics (departure tax, RRSP, FBAR) are the same as any Canada-to-US move; this page covers what's specific to Vermont.
Cross-BorderVirginia's graduated tax tops out at 5.75%, kicking in at just $17,000, and unlike Maryland next door, no county or city adds a piggyback tax on top.
Cross-BorderDC isn't a state, but it taxes like one, with graduated rates from 4% to 10.75% and no separate local or county layer on top.
Cross-BorderWest Virginia has cut its income tax faster than almost any other state since 2023, and the top rate now sits at 5.12% with no local income tax anywhere.
Cross-BorderWisconsin's top rate is 7.65%, but the real story for many Canadians is Minnesota reciprocity and the Madison tech corridor. Here's the full picture.
Cross-BorderThe federal cross-border rules (departure tax, RRSP/TFSA, treaty positions, FBAR) apply the same as any Canada-to-US move.
Cross-BorderManitoba's 17.4% top rate starts at about $101,200 of taxable income. Moving to the US still triggers departure tax on your unrealized gains when you leave.
Cross-BorderNew Brunswick carries one of the heaviest tax loads in Canada: a top combined marginal rate north of 52%, and 15% HST on almost everything you buy.
Cross-BorderMichigan's flat 4.25% income tax, Detroit-Windsor corridor, and the auto industry pipeline make it a natural cross-border move. Here's the tax picture.
Cross-BorderQuebec requires a separate provincial return (TP-1), a separate set of slips (Relevé instead of T4/T5), and a separate assessment.
Cross-BorderSaskatchewan's top provincial rate is 14.5%, its major employers already rotate staff through Texas and North Dakota. Covers key rules, filing.
Cross-BorderOntario's top combined rate is 53.53%, OHIP has no waiting period once you qualify, and the CRA wants to know about your US retirement accounts.
Cross-BorderWhat happens to your Canadian taxes when you move to the US. Moving from Canada to the US is not one tax event but a sequence of them.
Cross-BorderWhen a Canadian payer sends money to a non-resident (dividends, interest, rent, pension, royalties, management fees). Covers key rules, filing.
Cross-BorderOld Age Security (OAS) is a monthly pension paid by the Canadian government to most Canadians aged 65 and older, regardless of work history.
Cross-BorderThe higher-income spouse can allocate up to 50% of qualifying pension income to the lower-income spouse, reducing the family's combined tax.
Cross-BorderThe biggest cross-border tax mistakes are made before the move, not after. Collapsing a TFSA a month too late creates a foreign trust problem.
Cross-BorderProvincial health insurance is one of the first things people lose when they leave Canada and one of the last things they regain when they return.
Cross-BorderRemote work does not change the fundamental tax rule for employment income: it is taxed where the services are performed.
Cross-BorderThe US imposes a specific exit tax on covered expatriates (mark-to-market deemed sale under IRC 877A, with a $866,000 exclusion for 2023).
Cross-BorderRenouncing US citizenship ends the obligation to file US tax returns, but the process itself creates a final tax event. Covers key rules, filing.
Cross-BorderWhen a beneficiary of a Registered Education Savings Plan (RESP) enrolls in a qualifying post-secondary program. Covers treaty provisions, foreign tax.
Cross-BorderRoyalty income crosses the border when a Canadian owns intellectual property licensed to a US company (or the reverse). Covers treaty provisions, foreign.