Work hours
N/A
of real earning
Enter a price to see how many hours of your life it costs.
Tax figures are estimates based on published 2024, 2025 and 2026 rates (federal, CPP/EI and all provinces) and are for guidance only, not financial advice. Pick your tax year, or use Manual mode to enter your own numbers. Housing utility averages are rough hand-estimated placeholders, not measured data. Exchange rates come from open.er-api.com, refreshed at most every 24 hours with a bundled fallback table if the service is unreachable. Signed out, everything stays in this browser. Sign in and your scenarios sync to your account over an encrypted connection, visible only to you. We never sell or share your numbers, and you can delete them at any time. See the privacy policy.
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A salary tells you what you are paid. It does not tell you what an hour of your life is worth, because it ignores the tax that never reaches you, the costs you have already promised, and the hours you give up without being paid for them. This is the whole calculation, start to finish.
A 40 hour week with a 45 minute commute each way and an unpaid lunch is really costing you closer to 52 hours. You cannot spend that time on anything else, so it belongs in the divisor. Dividing by paid hours alone is what makes a salary look better than it lives.
Rent, tax, insurance and every subscription are already promised before you decide anything. What is left is the only money you actually choose what to do with, and it is the honest numerator for the question "can I afford this".
These are estimates for guidance, worked out from published tax rates for the year you pick. They are not financial or tax advice, and they are not suitable for filing. Rental income is taxed here on the net, which is right, but dividends and capital gains are treated as ordinary income, so a portfolio-heavy estimate will read worse than reality.