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Open Canadian financial datasets, modeled decision indexes, methodology disclosures, and embeddable calculator utilities. Published by UseCOS Research & Engineering for journalists, editors, and economic researchers.
Embed responsive, ad-free calculators directly on your article or resource page with zero tracking scripts.
Browse Publisher Resource Kit →All UseCOS modeled datasets, charts, and mathematical summaries may be freely republished under Creative Commons attribution.
Review Editorial Standards & Policy →Reproducible mathematical models grounded in primary Canadian regulatory sources.
Standardized monthly payment escalation models for borrowers renewing off 2020-2021 fixed rates (1.79%-2.49%) into current contract rates. Models payment cliff on $400k, $600k, and $800k balances across 3-year vs 5-year fixed spreads.
Net take-home pay comparisons across all 10 provinces and 3 territories on standardized benchmark salaries ($50k, $75k, $100k, $150k). Reconciles federal CRA tax brackets, provincial income surtaxes, CPP/QPP maximums, and EI contribution ceilings.
Comprehensive jurisdictional breakdown of private-party used vehicle transaction taxes. Contrasts ServiceOntario 13% RST on wholesale Red Book values vs ICBC 12% PST on Canadian Black Book valuation thresholds.
Standardized mathematical de-compounding tables to extract net pre-tax commercial amounts from gross receipts across 5% GST, 13% Ontario HST, and 15% Atlantic HST regimes with penny-rounding verification.
Journalists, academic researchers, and financial editors citing UseCOS calculations or datasets may use the following standard APA / BibTeX organizational citation format:
No personal attribution or individual interview required. Datasets are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0) for free commercial and editorial reuse with attribution.
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