UseCOS: Free Online Calculators & Tools

UseCOS is a suite of 100% free, privacy-first decision tools and calculators engineered to run entirely in your web browser.

Unlike traditional tools that send sensitive personal data to cloud servers, UseCOS processes everything locally on your device with zero data logging, zero tracking cookies, and no account signup required.

Key Tool Categories:

• Financial & Payroll: Canadian take-home pay, severance notice calculators, and 2026 CRA/provincial tax engines.

• Mortgage & Housing: Canadian mortgage renewal analyzer, prepayment penalty (IRD) calculator, and rental DSCR cash flow tools.

• Privacy Media Utilities: Global passport and visa photo resizer (US 2x2, Canada 50x70mm, Schengen, India), zero-upload PDF compressor, permanent QR code generator, and format converter.

• Automotive: Free North American NHTSA VIN decoder and vehicle recall lookup.

Engineered for precision, backed by primary official sources, and built with modern speed.