How much does a dog really cost?
The real lifetime cost of owning a dog is typically $20,000 to $55,000 -- sometimes more. That's food, vet care including emergencies, grooming, training, boarding, toys, and supplies over 10-15 years. Vet costs alone have risen 7.8% year-over-year. Most people budget for food and forget everything else. Use the Pet Lifetime Cost Calculator to get your real number before you commit.
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How much does it cost to raise a child?
Government data puts the cost at $250,000 to $350,000+ from birth to age 18 in Canada and the US. That's childcare ($15,000-$25,000/year in major cities), food, clothing, activities, school supplies, and healthcare -- before post-secondary. The number spikes in the toddler years and again at 14-17. A year-by-year breakdown makes it easier to plan.
Child cost calculator coming soon →
How much are you really paying for subscriptions?
The average household has 12-15 active subscriptions and underestimates the total by 40%. Netflix, Spotify, iCloud, Adobe, gym, news sites, food boxes, parking apps -- they add up fast. Most people who run the Subscription Graveyard calculator find $200-$400/month they forgot about.
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How much do tariffs add to the price of goods?
With 2025-26 US tariffs ranging from 10% to 145% depending on the product and country of origin, a $500 appliance made in China can land at $600-$900 after tariffs work through the supply chain. The effects hit electronics, clothing, furniture, and appliances hardest. The Tariff Cost Calculator shows you the estimated real price by category.
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How much should I save for taxes if I'm self-employed?
The standard advice is 25-30% of net profit, but that range is too wide to be useful. The right number depends on your income bracket, province or state, business expenses, and whether you have other income. The Irregular Income Tax Calculator calculates your exact monthly tax set-aside based on your real numbers.
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What does a home really cost per year?
Beyond the mortgage, homeowners routinely underestimate property taxes (averaging $3,000-$8,000/year in major Canadian and US cities), maintenance (1-3% of home value/year), insurance, and utilities. On a $600,000 home, the true annual cost of ownership beyond the mortgage payment is often $15,000-$25,000. A housing cost calculator is in development.
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