How many hours did you actually work to afford that purchase? True Cost is a Canadian personal finance calculator showing the real pre-tax cost of any purchase — factoring in your marginal tax rate, HST, and take-home pay. Converts costs into hours worked so you can spend with clarity. ✅ Federal + provincial tax brackets ✅ Personal & business expenses ✅ Every province ✅ One-time purchase, no subscription
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Maker
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Hey PH! 👋 I'm Luc, a Canadian indie developer and the person behind this app. I built it because I kept making purchases without really understanding what they cost me in actual working hours after tax. The math is surprisingly eye-opening.
Would love your honest feedback — what features would make this more useful for you? Happy to answer any questions about the Canadian tax logic behind it.