Cashsembly is a free, web-based suite of 45 financial calculators covering Canada and the USA, from income tax and mortgages to crypto capital gains and retirement planning.
What is Cashsembly?
Cashsembly is a free collection of 45 financial calculators that run entirely in your browser with no sign-up or download. Each calculator takes simple inputs — dollar amounts, province or state selection, age, or contribution rates — and returns estimates, payment schedules, tax comparisons, and actionable numbers based on official federal and provincial data. The site is built by Cashsembly and refreshes its data every 24 hours, so the rates and rules stay current. Examples include the GST/HST Calculator, CPP & OAS Calculator, and Crypto Tax Calculator Canada.
Key Features
- 45 calculators across 9 categories — Tax, Mortgage, Salary & Paycheck, Retirement, Loans & Credit, Investment, Personal Finance, Crypto, and Immigration are all represented.
- Canada and USA coverage — Many tools support both countries, with province/state-level inputs. The US income tax calculator covers all 50 states plus DC, while the land transfer tax calculator includes every Canadian province with first-time buyer rebates.
- Official rate sources — Calculations draw from official federal and provincial rates that update daily.
- Crypto tax calculators — The Canadian version uses the CRA's adjusted cost basis (ACB) method; the US version applies short-term vs long-term IRS rates, includes NIIT, and handles all 50 states.
- Mortgage and home buying suite — Tools include the Mortgage Stress Test, affordability with GDS/TDS and CMHC insurance, mortgage payment estimators, penalty calculations, CMHC insurance premiums, and closing costs.
- Retirement and savings planners — CPP and OAS calculators let you compare starting at 60, 65, or 70; the FIRE Calculator models Coast FIRE; RRSP vs TFSA and FHSA calculators support Canadian savings; US users get 401(k)/IRA and Social Security tools.
- Payroll and income tax — Take-home pay for CA and US, a US tax refund estimator, and a Salary Comparison by State tool help with planning.
- Amortization schedules and side-by-side comparisons — Mortgage and loan calculators provide full payment breakdowns, and tools like RRSP vs TFSA or CPP start-age comparison let you evaluate scenarios against each other.
- Free custom calculator requests — The site invites users to request a new calculator on its About page.
Who should use Cashsembly?
- Canadian tax filers — Estimate federal and provincial income tax, calculate GST/HST on purchases, and see how RRSP contributions affect refunds.
- US employees and contractors — Estimate paycheck after federal, state, Social Security, and Medicare, or compare take-home pay across states.
- Homebuyers in either country — Stress-test mortgage affordability, estimate CMHC insurance, land transfer tax, and closing costs before house hunting.
- Crypto investors — Calculate capital gains tax using the applicable CRA or IRS method, including state-level tax for US users.
- Retirees and pre-retirees — Model CPP and OAS claiming strategies, Social Security claiming ages (62-70), or FIRE progress.
- Immigration applicants — Calculate Express Entry CRS score for Canadian permanent residence.
What can you do with Cashsembly?
- Budgeting: Use the Monthly Budget Planner to apply the 50/30/20 rule and track RRSP and TFSA contributions.
- Goal saving: Estimate monthly deposits needed for a down payment, emergency fund, or vacation with the Savings Goal Calculator.
- Buying a car: Compare auto loan payments with the Car Loan CA or Car Payment USA calculator, including sales tax and fees.
- Planning a move: Use Salary Comparison by State to see how net income changes across US states, with cost-of-living adjustments.
- Comparing credit cards: See which Canadian or US card earns the most for your spending habits with the Best Credit Cards tools.
- Estimating closing costs: Get a full breakdown of land transfer tax, legal fees, title insurance, and other expenses with the Closing Costs Calculator.
How does Cashsembly work?
Each calculator is a self-contained form. You enter your numbers, select your province or state, and the tool applies current official rates to produce results like monthly payments, tax refunds, or retirement balances. No account or download is required, and every calculator refreshes automatically from the official data sources.
Pricing
Cashsembly is completely free. All 45 calculators are available with no paywall or trial. The site also accepts free custom calculator requests on the About page.
Alternatives
Other free financial calculator sites include NerdWallet and Bankrate, though they offer fewer Canada-specific tools and don't cover the same range of immigration and crypto tax scenarios.
FAQ
Is Cashsembly free to use?
Yes, every calculator on Cashsembly is free. The site states "Always free" and shows no paid tier or sign-up requirement.
What data do the calculators use?
Cashsembly builds its tools from official federal and provincial rate sources and updates the data every 24 hours, so you're using current rates for taxes, mortgage rules, and benefits.
Does Cashsembly cover both Canada and the USA?
Yes. Many calculators work for either country, with province or state selection. For example, US tax tools cover all 50 states and DC, and Canadian tools include all provinces.
Do I need to create an account to use Cashsembly?
No. All calculators run in the browser without sign-up or download. You just open a calculator, enter your inputs, and see the results instantly.
Can I request a calculator that isn't on the site?
Yes, Cashsembly has a "Request a free custom calculator" link on their About page. The current library includes GST/HST, crypto tax, mortgage stress test, CPP/OAS, FIRE, FHSA, RESP, and many more.
