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About Cashsembly
Cashsembly is a free financial calculator portal built for Canadians and Americans navigating real money decisions — taxes, mortgages, retirement savings, and more. Every calculator is free, requires no sign-up, and is built to give you accurate, province- and state-specific results based on current official data.
Whether you are comparing take-home pay across provinces, stress-testing a mortgage, or estimating RRSP and TFSA room, the goal is the same: transparent math, clearly cited inputs, and outputs you can take to a professional for validation — not hidden upsells or vague "estimates" with no methodology.
Who built this
Cashsembly was founded by Artem Titarenko, based in Toronto, Ontario. The project started in 2024 to address a gap in free, accurate, Canada-specific financial calculators that respect how tax brackets, payroll deductions, and mortgage rules actually work from province to province.
The mission is straightforward: make financial planning tools accessible to every Canadian and American without paywalls, account walls, or misleading data. We prioritize clarity — what assumptions went in, which official source they came from, and how often those inputs refresh — so you can judge trustworthiness for yourself.
Follow Cashsembly for new calculators and weekly rate reports: LinkedIn · Bluesky.
Important: All calculators are educational tools. For personalized financial advice, consult a licensed financial advisor or CPA.
Our data sources
For Your Money Your Life (YMYL) topics, we document where numbers come from. Below is a summary of the primary authorities and datasets behind Canadian and US calculators on this site.
Canadian sources
| Topic | Primary source |
|---|---|
| Tax brackets & rates | Canada Revenue Agency (CRA) — canada.ca/en/revenue-agency |
| Mortgage rates | Bank of Canada Valet API; published rates from major lenders including RBC, TD, and CIBC; and market references such as WOWA, cross-checked for consistency. |
| RRSP / TFSA limits | CRA official announcements and indexed limits published on canada.ca (updated when CRA releases each tax year's figures). |
| CPP / OAS rates | Service Canada and related canada.ca program pages for contribution rates, benefits, and thresholds. |
| GST / HST rates | CRA guidance on federal and provincial component rates by jurisdiction. |
| Provincial tax rates | Each provincial ministry of finance (or equivalent) for provincial brackets, surtaxes, and credits where modeled on individual calculators. |
US sources
| Topic | Primary source |
|---|---|
| Federal tax brackets | Internal Revenue Service (IRS) — irs.gov |
| State tax rates | Each state's department of revenue (or equivalent) for brackets, standard deductions, and withholding rules where applicable. |
| Mortgage rates | Freddie Mac Primary Mortgage Market Survey; FRED (Federal Reserve Economic Data) for time-series and benchmark series used in US mortgage tools. |
| Paycheck calculations | IRS Publication 15(Employer's Tax Guide) and related federal withholding tables where implemented. |
How often data is updated
- Mortgage rates (Canada & US): Updated every Monday via an automated pipeline that aggregates inputs from the Bank of Canada, RBC, TD, CIBC, Freddie Mac, and related feeds used on the site.
- Tax brackets: Updated annually when the CRA and IRS publish official rates and thresholds for the new tax year.
- RRSP / TFSA limits: Updated annually in November / December when the CRA announces indexed contribution room and dollar limits for the upcoming year.
- Automation: These updates run through automated jobs — not ad-hoc manual retyping — to reduce human error and keep methodology consistent across calculators.
What our calculators cover
Tools are grouped by the kind of decision they support. Each category links many province- or state-specific pages where rules differ materially.
- Tax calculators
- Income tax for all Canadian provinces and territories and all 50 US states; GST/HST; capital gains (Canada and US) where offered.
- Mortgage calculators
- Canadian provinces and major cities, US states, stress-test scenarios, and affordability estimates based on published rates and regulatory guidelines.
- Retirement calculators
- RRSP, TFSA, GIC, CPP, OAS, FIRE planning, and US 401(k) tools — built around official limits and program parameters where applicable.
- Salary calculators
- Take-home pay and net salary estimates for Canadian provinces and US states, using jurisdiction-specific tax and deduction rules.
- Other
- Car loans, student loans, rent affordability, social security estimates, and related household finance calculators.
Disclaimer
All calculators on Cashsembly provide educational estimates only. Results are not financial, tax, legal, or investment advice. Tax calculations use standard deductions and may not reflect your specific situation. Mortgage calculations are illustrative and do not constitute a loan offer. Always verify figures with official government sources or a licensed professional before making financial decisions. Cashsembly is not affiliated with the Canada Revenue Agency, IRS, Bank of Canada, or any government body.
Need a custom calculator?
We're open to collaboration. If you need a financial calculator built for your specific use case — whether for your business, website, or internal team — we can build it for you in a matter of days, completely free. Reach out and tell us what you need.