Calculator Hubs and Guides
Start from a goal, not a formula. This page is the map of CalculatorVillage: six topic and audience hubs that group calculators by the job you are doing, and the full list of our 70 long-form guides, which explain the rules and arithmetic behind the bigger money decisions.
A calculator answers one question with the inputs you give it. A guide sets out where those inputs come from: the tax bracket or contribution limit for the current year, the agency that publishes it, a worked example with every number stated, and the cases where the simple answer stops working. Each guide names its primary sources (CRA, IRS, Canada.ca, CMHC, CFPB and similar) with the date we last checked them, and links to the calculator that runs the same math on your own numbers.
Most guides are written for Canadian readers, with a growing US set on federal tax brackets, 401(k) limits, PMI and early retirement. Nothing here is personal financial, tax or medical advice; the methodology explains how figures are checked and the disclaimer sets out the limits.
Topic and audience hubs
Canadian paycheque and employment standards
CPP, EI and tax on every pay, Ontario holiday pay, bonuses, salary to hourly and severance.
Open hubSelf-employed, gig and seller math
Tax set-aside in Canada and the US, CRA instalments, markup versus margin and platform fees.
Open hubGrades and GPA
Percentage to GPA conversion, weighting, targets and final-exam planning.
Open hubHomeowners
Mortgage, affordability, renovation, landscaping, and real estate return calculators.
Open hubStudents
GPA, grade, study-time, test-score, and academic planning calculators.
Open hubFitness
BMI, calories, macros, running pace, heart-rate, and body composition tools.
Open hubAll guides by topic
Guides are grouped by the decision they support. Year-specific figures are rechecked when the agency publishes new numbers, and each guide shows the date of its last review.
Canadian paycheque and employment standards
- How a Canadian paycheque is calculated: CPP, EI and tax
- Ontario public holiday pay: the formula, worked
- EI maternity and parental: standard vs extended, in dollars
- Overtime pay by province: daily and weekly rules, worked
- Salary to real net hourly pay in Canada
- Severance pay: minimums, offer math, tax and EI
- EI regular benefits: how much and for how many weeks
Canadian tax and benefits
- Canada income tax brackets and marginal rates (2026)
- Bonus tax in Canada: withholding vs what you owe
- Canada Child Benefit: how much you get, worked
- Capital gains tax in Canada: inclusion-rate math
- RRSP withdrawal tax: withheld vs what you owe
- RRSP vs TFSA: which account first
- TFSA contribution room and withdrawal rules
- FHSA room, carry-forward and withdrawals
- RESP grants (CESG, CLB) and withdrawals
- RSU tax in Canada: vesting, ACB and sale
- When to start CPP: age 60, 65 or 70
- OAS clawback (recovery tax) thresholds
- RRIF minimum withdrawal factors and tax
- Canada Groceries and Essentials Benefit: how much you get
Self-employed, gig and seller math
Grades and GPA
Home project materials
US tax and retirement
Mortgages and housing
- When PMI comes off: 80%, 78% and FHA rules
- Rent vs buy in Canada: break-even math
- Canadian mortgages: j2 rate, renewal and 30-year math
- BC property transfer tax 2026: brackets and exemptions
- Mortgage break penalty: three months interest vs IRD
- Mortgage stress test qualifying rate
- Mortgage renewal payment shock and options
- Mortgage refinance break-even
- Accelerated biweekly mortgage payments
- CMHC mortgage insurance premiums
- Ontario land transfer tax and first-time refund
- Cap rate vs cash-on-cash return: when a mortgage lowers your yield
Debt and borrowing
- Debt avalanche vs debt snowball
- How credit card interest is calculated in Canada
- How HELOC interest is calculated in Canada
- What debt consolidation really costs
- The minimum-payment trap, worked exactly
- How much car you can afford
- RAP student loan payments: how the plan is calculated
- APR vs APY: how each is calculated under US rules