About GlassLayer
GlassLayer is an independent Canadian site with free calculators for everyday money decisions. We try to get the numbers right and keep the tools simple.
Why this exists
Most banks and brokers have a mortgage calculator. Many are slow and cluttered. Some get Canadian details wrong, like semi-annual compounding or the CPP2 contribution. Few explain their math. We think a calculator should work fast on a phone, use the real 2026 rules, and show each step so you can check it.
What we don't do
No sign-up, no email gate, no pop-ups. We do not sell your data. We are not licensed advisors. The tools give general information only. For a big decision, talk to a professional who knows your situation.
Who builds it
Nishant Malik, founder of GlassLayer. Director of product management with 16 years in product and technology. Came to Canada as a newcomer and built the tools he wished had existed.
Nishant Malik came to Canada as a newcomer. For eight years he worked out his own money decisions from a dozen different sites: the first paycheque, the first tax return, buying a home, planning for retirement. The answers were scattered across government pages, bank calculators and forums, and most of the tools were hard to use. He has spent 16 years in product and technology, so he built the one place he had been looking for. Every calculator uses figures from the CRA, the provinces, CMHC and the Bank of Canada, and shows its math. GlassLayer does not give personal advice.
Find him on LinkedIn and nishantmalik.ca, or email [email protected].
GlassLayer is built and run by NDNA Innovations Inc., a software company in Kitchener, Ontario.
Where the numbers come from
Every figure comes from a government or regulator source: the CRA, Revenu Québec, provincial finance ministries, CMHC, OSFI and the Bank of Canada. Each one is stored with its source and the date it was checked, and each calculation is tested against the official formula before it goes live. The methodology page explains how, and the sources page lists every source we use.
Getting in touch
If you find a wrong number or a broken page, email [email protected]. Error reports come first. See the contact page for what to include.