A small site for useful numbers

Everyday Fig is a collection of free, single-purpose calculators, maintained in Canada. Each page answers one question: overtime pay, a mortgage payment, Canadian GST/HST, RRSP room, a tip split, or the date 90 days from now. The guides are the longer notes: which number belongs in the box, and which official table still wins.

The math runs in your browser. There is no account, no app, and no upload of the numbers you type. Open a tool, get an estimate, and leave.

Who it is for

People who need a number they can recompute on paper. The Canada tools name the 2026 figure they use. Pay and money tools also cover a generic sales-tax rate and overtime multipliers you set yourself, which is how a US-style 40-hour week and a Canadian 44-hour week can share one form without the page pretending to be both statutes. Confirm official figures with your employer, lender, or the government site before you file or sign anything.

What is on a calculator page

The form is first, because the job of the page is the number. Under it, every tool has four pieces that are written for that tool: the formula in plain English, a worked example with round numbers, a second walkthrough that uses different numbers and names a mistake the form will not catch, and a short FAQ. The second walkthrough is not a copy of the example with the nouns swapped. The overtime note shows what happens if every hour is dropped into the overtime box. The grade note shows what a final scored zero does when you have not written the exam yet. The TFSA note shows which years are added for someone who turned 18 in 2022.

Three of the tools also embed the Everyday Fig video that uses the same example as the page: discount, overtime, and GST/HST.

How a Canada figure is chosen

Limits that come from a statute or a CRA table are typed into the calculator, the example, and the note as one set. They are checked against Canada.ca, not against a round number that “sounds current.” On 15 October 2026 the 2026 EI, CPP, RRSP, TFSA, and mileage figures were read again. They had not moved. The CRA EI page now also lists 2027 (maximum insurable earnings $70,800, employee rate 1.64 percent, maximum employee premium $1,161.12). That row is not in the calculators. The set still in use, with sources on the figures check:

• EI employee rate 1.63 percent outside Quebec, 1.30 percent in Quebec. Maximum insurable earnings $68,900. Employee maximum $1,123.07, or $895.70 in Quebec. Employer share is 1.4 times the employee premium. Maximum weekly regular benefit $729, which the EI page does not calculate.
• CPP basic exemption $3,500. YMPE $74,600 at 5.95 percent. YAMPE $85,000 with CPP2 at 4 percent on the band between those ceilings. Employee maximum base contribution $4,230.45 plus CPP2 of $416. Quebec uses QPP, not this page.
• RRSP dollar limit $33,810, which is 18 percent of 2025 earned income until that cap. TFSA dollar limit $7,000. Lifetime room from 2009 through 2026, if you were 18 the whole time and never contributed, is $109,000.
• Automobile allowance 73 cents per kilometre for the first 5,000 business kilometres and 67 cents after that, plus 4 cents in Yukon, the Northwest Territories, and Nunavut. That is the reasonable-allowance rate, not the quarterly CRA staff-travel table.
• GST 5 percent. Ontario HST 13 percent. HST 15 percent in New Brunswick, Newfoundland and Labrador, Nova Scotia, and Prince Edward Island. Quebec GST plus QST is entered as 14.975 percent on the pre-tax price.

When the official table changes, the old number comes out of the form, the example, and the note in the same edit. The line “Checked 15 October 2026” on each calculator is the latest reading. A notice of assessment, a T4, or the current Canada.ca page still beats this site if they disagree.

What we will not calculate

Take-home pay, a tax return, a payroll remittance, a lender’s approval, and a medical diagnosis are out of scope. Default-insurance premiums on the CMHC page protect the lender and do not include provincial sales tax on the premium. Ontario land transfer tax uses the provincial slices and, in Toronto, the municipal slices including the higher rates above $3 million from 1 April 2026. The first-time buyer control applies the maximum rebate. It does not decide whether you qualify. BMI, calories, protein, water, and a pregnancy due date are screening or calendar sketches. A clinician’s number replaces them.

How the site is paid for

The calculators stay free. If Google approves the site for advertising, ads may appear on calculator pages, the homepage, and this about page. Ads are not placed on the contact form, the privacy or terms pages, the category lists, or the 404 page. We do not sell the numbers you type. We do not add a second ad network. The numbers never leave your browser, so there is no calculation history to sell in the first place.

YouTube

There is a small YouTube channel with the same name. One question per video, then the matching calculator on this site. Everyday Fig on YouTube.

• Why a 25% off sign is almost never 25% off — discount calculator
• The overtime hour that pays less than you think — overtime calculator
• GST vs HST on one $80 cart — GST/HST calculator
• Why 40 hours at $28 is not $60,000 — hourly to salary

Corrections

If a result looks wrong, email hello@everydayfig.com or use the contact page. Name the page, the numbers you typed, and the result you expected. We will correct the math or the explanation, and the checked date on that page will move.

These tools are estimates for everyday use. They are not tax, payroll, mortgage, medical, or legal advice.