UrCalculator

How we build and check our calculators

Last updated: August 30, 2026

Anyone can put a number on a page. The question worth answering is where that number came from, when it was last checked, and what it deliberately leaves out. This page answers all three, so you can judge our figures rather than take them on faith.

Where our numbers come from

Every tax, contribution and threshold figure on this site is taken from the government body that publishes it — never from another calculator, and never from a secondary summary.

  • Canadian income tax, CPP and EI — federal and provincial brackets, the basic personal amount, the CPP contribution rate and exemption, the year's maximum pensionable earnings (YMPE and YAMPE) and the EI premium rate and maximum insurable earnings all come from the Canada Revenue Agency and Service Canada's CPP pages.
  • Quebec — QPP and QPIP differ from the rest of Canada, and are taken from Revenu Québec's published rates.
  • US federal income tax — brackets, the standard deduction and FICA thresholds come from the Internal Revenue Service.
  • Mortgage insurance — Canadian default-insurance premium bands and the minimum down-payment rules follow CMHC's published schedule.
  • Registered account limits — RRSP and TFSA contribution room figures come directly from the CRA's published limits table.
  • Share prices and historical returns — market data in the investment calculators comes from a commercial market-data provider and is refreshed automatically once per weekday, after the US market closes.

How often we check them

Tax figures change every year, and some change mid-year. Two things guard against stale numbers:

  • A visible review date. Most pages carry a "last reviewed" date near the top. If that date looks old to you, treat the page with suspicion and tell us — that is exactly what it is there for.
  • An automated daily check. Every day, an automated job loads the live site and verifies that the pages respond, that the market data is fresh and not stale, and that nothing has silently broken. It reports failures to us rather than waiting for a visitor to notice.

What our calculators deliberately do not do

Being clear about the limits matters more than appearing comprehensive.

  • We do not predict share prices. The investment tools show what actually happened historically, and project forward only at a growth rate you choose. No figure on this site is a forecast of what a market will do.
  • We do not model every tax credit. The income tax and take-home pay calculators apply the standard brackets, the basic personal amount, CPP/QPP, EI and any RRSP contribution you enter. They do not attempt to model every personal credit, benefit, clawback or deduction — a dependant credit, a disability amount or self-employment income can all change your real result.
  • We do not give advice. These are estimating tools. They cannot know your circumstances, and nothing here is financial, tax, investment, legal or medical advice. For a decision that matters, speak to a qualified professional.
  • We are not a filing service. Nothing you enter is submitted anywhere, to any tax authority or anyone else.

How the calculations run

Every calculator on this site runs entirely inside your browser. The figures you type — your salary, your mortgage, your investment balances — are used on your own device to produce your result and are never transmitted to us or stored on our servers. You can confirm this by disconnecting from the internet after a page has loaded: the calculators keep working. Full detail is in our privacy policy.

Independence

urcalculator.com is an independent site. It is not affiliated with, endorsed by, or operated by the Canada Revenue Agency, Revenu Québec, the Internal Revenue Service, CMHC, or any bank, lender, brokerage or insurer. We do not sell financial products, no company pays for placement or for a favourable result in any calculator, and no calculator’s assumptions are tuned to favour any product. We currently earn nothing from referrals — and if a link ever does earn us a commission, it is labelled as such on the page where it appears.

The site carries advertising to cover its hosting and data costs. Advertising is served by a third-party network and is kept separate from the calculators: an advertiser cannot influence a rate, a formula or a result.

When we get something wrong

We will. Rates get missed, an edge case gets handled badly, a number gets transposed. When it happens we would rather hear about it quickly than have it sit there.

If a figure on this site looks wrong, please tell us through the contact page — ideally with the calculator name, the inputs you used, and the number you expected. Corrections to a published figure are made as soon as we can verify them, and the page's "last reviewed" date is updated when we do.

Why we built it this way

Most online calculators bury the answer beneath advertising, never explain the method, and quietly run on rates that are two years out of date. We think a calculator is only worth using if you can see the reasoning, check the source, and know when it was last looked at. That is the standard we hold these tools to, and this page exists so you can hold us to it too.

See also: about this site · disclaimer · privacy policy

This site is built and maintained by Hariom J. He is an independent developer, not an accountant or financial adviser. Every figure on this site is taken from an official published source — the CRA and IRS for tax, Employment and Social Development Canada for pensions, published market data for investing — and is checked before each update. If a figure looks wrong, please contact urcalculator.com.