usecos provides free, private tools for everyday decisions — mortgage planning, tax estimation, vehicle decoding, and more. We support Canadian mortgage rules (OSFI stress test, CMHC insurance, semi-annual compounding), provincial tax brackets (CPP, EI, GST/HST/PST), US tax brackets, and global VIN decoding — all without tracking you.
We believe tools should never require your personal data. usecos runs calculations entirely in your browser. We don't store your inputs, don't use cookies for tracking, don't show ads, and don't require accounts. The only analytics we use is privacy-first Plausible (no personal data collected).
Our mortgage calculator follows OSFI Guideline B-20 for stress testing and CMHC premium tables. Paycheck calculations use current-year federal and provincial/state tax brackets. VIN decoding follows ISO 3779 and NHTSA standards. Everything runs locally — instant results, no server round-trips.
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All tools are for estimation purposes only. Results do not constitute professional advice. Always consult a licensed professional before making financial or vehicle purchase decisions. See our full Disclaimer.