Ur Calculator: Free Finance and Health Tools

Which calculator do you actually need?

Money questions rarely arrive neatly labelled. Most people arrive here with a situation, not a formula — a job offer to weigh up, a mortgage renewal landing, a tax bill that looks wrong. This is a plain guide to the tool that answers each one.

"How much of this salary will I actually keep?"

A salary figure is not what reaches your bank account. Income tax, and in Canada CPP and EI, come off first. Use the take-home pay calculator for Canada or the US version to see the amount per pay cheque. If you want the tax alone rather than the net pay — for planning a return or checking a deduction — the Canada income tax calculator and US income tax calculator break the figure down by bracket.

"Will a raise push me into a higher bracket and cost me money?"

No — and this is the most persistent myth in personal tax. Only the income above each threshold is taxed at the higher rate, so a raise always leaves you with more. The marginal vs effective rate guide explains why the rate you hear quoted is almost never the rate you pay.

"Can I afford this mortgage?"

Payment size is only half the question; the other half is how much of each payment is interest rather than principal in the early years. The Canadian and US mortgage calculators show both, and the amortization schedule guide explains how to read the resulting table without glazing over.

"What could my savings or investments become?"

For steady saving at a fixed rate, the compound interest calculator shows growth year by year. For shares and funds, the stock portfolio calculator works differently: it uses decades of real monthly market history, so you see how a mix of holdings actually behaved — including through the 2008, 2020 and 2022 downturns — rather than a smooth line drawn from an assumed percentage.

"How much tax is on this purchase?"

Sales tax in Canada depends entirely on the province — some charge a single HST, others federal GST plus a provincial tax, Quebec runs its own QST. The GST/HST/PST calculator picks the right method for you and can also work backwards from a tax-included price. In the US, the sales tax calculator handles combined state and local rates.

"Is my weight or calorie intake in a sensible range?"

Start with BMI for a broad screening figure, then BMR for the energy your body uses at rest, and TDEE for a realistic daily calorie need once your activity is counted. All three are estimates to inform a conversation with a professional, not a diagnosis.

What makes these different from the calculator you found last time

Most calculator pages bury the answer beneath advertising and explain nothing. Three things are done deliberately differently here.

The result comes first. No scrolling past three screens of text to reach the number you came for. Explanation sits underneath, for when you want it.

The method is shown, not hidden. Every calculator explains what it is doing and what it is assuming. Where an official figure is used — a tax bracket, a contribution ceiling, a standard deduction — the page says which year it applies to and when it was last reviewed, so you can judge whether it is current.

Estimates are labelled as estimates. A calculator cannot know about your particular credits, benefits, provincial quirks or medical history. Where a result is a simplification, the page says so plainly rather than presenting a false precision.

Before you rely on a number

These tools are built for planning and understanding — comparing two job offers, sanity-checking a payroll deduction, seeing whether an extra mortgage payment is worth it. They are not a substitute for advice from an accountant, a licensed financial adviser or a doctor, none of whom this site replaces or claims to be. For a filing, a mortgage application or a medical decision, confirm the figure with a professional who knows your full circumstances. Our disclaimer sets out the limits in full, and the about page explains where the underlying rates and formulas come from.

Everything here is free, needs no account, and works on a phone. If a figure ever looks wrong, tell us — errors get checked and corrected quickly, because an inaccurate calculator is worse than no calculator at all.