Tax & Paycheck7 min read
How to Calculate Reverse Sales Tax (Step-by-Step)
Find the price before tax by dividing the total by 1 plus the tax rate. See the reverse sales tax formula, US and GST/HST examples and mistakes to avoid.
Amir
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Money Guides That Explain the Math
Plain-English mortgage, tax and paycheck guides with worked examples. Each guide explains one question clearly, shows the math, and links to the free calculator that does it for you. Our personal finance guides cover the United States and Canada and cite official sources.
Tax & Paycheck
Tax brackets, deductions, paychecks and sales tax for the US and Canada. Explore our Income Tax, Take-Home Pay and Sales Tax calculators.
Mortgage & Home Buying
Payments, affordability, CMHC, PMI and payment frequency, with links to our mortgage and debt-to-income calculators.
Loans & Interest
How interest works on car loans and savings, with examples you can recreate in our calculators. Try the Auto Loan and Compound Interest calculators.
Latest Articles
Browse by topic above or see the latest below.
Mortgage & Home Buying9 min read
How Much Is CMHC Insurance? Premium Rates Explained
CMHC insurance typically costs 2.80% to 4.00% of your mortgage when you put down less than 20%. See the 2026 premium table, examples, PST rules and how to avoid it.
Amir
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Loans & Interest7 min read
How Does Compound Interest Work? Simple Examples
Compound interest means earning interest on your interest. See the formula, a $10,000 example over 30 years and why starting early pays off. Try it free.
Amir
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Mortgage & Home Buying8 min read
What Is a Good Debt-to-Income Ratio for a Mortgage?
See what DTI lenders want for conventional, FHA, VA and USDA loans, what counts as good or high, and how to lower yours before you apply. Check yours free.
Amir
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Tax & Paycheck10 min read
GST vs HST in Canada: What's the Difference? (2026)
GST is the 5% federal tax; HST combines it with provincial tax in five provinces. See 2026 rates by province, how each works and when home buyers pay it.
Amir
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Tax & Paycheck7 min read
Gross Pay vs Net Pay: What's the Difference?
Gross pay is what you earn; net pay is what you take home. See what is deducted, a $60,000 salary example and how to read your pay stub. Calculate yours.
Amir
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Mortgage & Home Buying8 min read
How Is a Mortgage Payment Calculated? Formula and Example
Learn the mortgage payment formula step by step, see a $320,000 example, how principal and interest change over time and the Canadian method. Try it free.
Amir
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Mortgage & Home Buying9 min read
How Much House Can I Afford? Salary Examples and the 28/36 Rule
See how much house you can afford on a $50,000 to $150,000 salary with the 28/36 rule, plus a Canada stress test example. Check your payment and DTI free.
Amir
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Tax & Paycheck11 min read
2026 Federal Tax Brackets and Rates (With Examples)
See the 2026 federal tax brackets for single, joint and head of household filers, the new standard deduction and worked examples. Estimate your tax now.
Amir
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Guides are for general information and are not financial, tax or legal advice.