Individual A has a taxable income of 108182 in 2020. All of the personal tax credits are consumed by this taxable income . what is the increase (decrease) in tax payable if individual A has the following events in addition to the taxable income noted above?

in 2018 individual A withdrew 19969 from their RRSP under the home buyers plan account. No RRSP contributions were made prior to march 2021. no repayments to the HBP were made prior to march 2 , 2021

how much does individual A 2020 tax payable increase (decrease ) as a result of this additional information

Assume that the provincial tax rate is 9% on all taxable income