Every number behind a home, in one place.
Free calculators built on Canadian rules, with the official source for each one. Nothing you type leaves your browser.
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Buying a home
Affordability CalculatorEstimate a maximum purchase price in any province from income and debts, with the stress test, land transfer tax and monthly costs.Land Transfer Tax CalculatorLand transfer tax, welcome tax or registration fees in every province and territory, with first-time buyer rebates.Down Payment CalculatorFind the minimum down payment for a price and compare 5% to 20% down with the insurance premium on each.CMHC Insurance CalculatorEstimate the mortgage insurance premium, the sales tax due at closing and the total mortgage.Mortgage CalculatorExplore payment scenarios with your clients using the existing Canadian mortgage calculation tool.Closing Cost CalculatorPrepare a starting estimate for the expenses around a property purchase. Confirm actual costs with your advisers.New Home GST/HST RebateGST/HST rebates on a new home: the new housing rebate, the first-time buyers’ rebate and Ontario’s rebate.Rent vs Buy CalculatorCompare what you would have after a set number of years if you rent and invest, or buy a home.GDS and TDS CalculatorYour debt service ratios at the stress-test rate against the 39% and 44% limits.Mortgage ComparisonCompare up to three mortgage offers on payment, interest, fees, cash back and cost per year.Down Payment SavingsHow long it takes to save the down payment and closing costs for the home you want.Co-Ownership CalculatorWho owns how much when you buy with family or friends, now and in a few years.Condo Special Assessment CalculatorWill the reserve fund cover the next big repair? Your unit's share of a shortfall, as a levy or higher fees.
Owning and your mortgage
Mortgage Payoff CalculatorHow much sooner you pay off the mortgage with accelerated, extra and lump-sum payments.Amortization ScheduleYear-by-year interest, principal and balance with Canadian semi-annual compounding.Mortgage Renewal CalculatorSee your new payment at renewal from the remaining balance, the new rate and the amortization left.Refinance CalculatorCompare your mortgage with a refinance: new payment, cash out, the 80% limit, costs and break-even.HELOC CalculatorEstimate a home equity line of credit limit under the 65% and 80% rules, and the interest-only payment.Mortgage Penalty EstimatorEstimate the cost of breaking a Canadian mortgage: three months’ interest, or the rate differential on a fixed rate.Trigger Rate CalculatorThe rate at which a fixed payment on a variable mortgage only covers interest.Blend and ExtendAn estimated blended rate for extending early or borrowing more, against breaking the mortgage.Property Tax Calculator2026 property tax in 30 Canadian cities, from each city’s official residential rate.Prepay or Invest CalculatorPut extra money on the mortgage or invest it? Payoff date, interest saved and which leaves you with more.
Owning a second home
Vacant Home Tax CalculatorVacant and empty home taxes in Toronto, Vancouver, Ottawa, other cities and BC’s speculation tax areas.Short-Term Rental CalculatorShort-term rental income against a long-term lease, with fees, cleaning and break-even occupancy.Sell or Rent Out?Compare selling now with keeping your home as a rental, including the tax on the change of use.
Selling
Seller Net Proceeds CalculatorEstimate what a home seller keeps after commission, HST, mortgage payoff and closing costs.Capital Gains on PropertyTax on selling a home, rental or cottage, with the principal residence exemption and the flipping rule.Offer ComparisonCompare up to three offers on net to the seller, closing dates, deposits and the conditions that could end the deal.Comparable Sales CalculatorA value range from up to five comparable sales you enter, by adjusted price per square foot.Offer DeadlinesEach condition’s deadline in calendar or business days, and a closing date check.
Renting and landlords
Rent Increase CalculatorThe maximum legal rent increase and the earliest date it can start in Ontario, BC or Manitoba.Rent Affordability CalculatorThe monthly rent that fits your income under CMHC’s 30% affordability standard.Prorated Rent CalculatorRent for a partial first month, by the days in the month or a yearly daily rate.Rent Receipt GeneratorA printable rent receipt with the period, amount and payment method. Nothing leaves your browser.Rental Income Tax (T776)Net rental income for Form T776, with shared costs split when you rent part of your home.Ontario Notice Date CalculatorEarliest termination date for an N4, N12, N13, N9 or other Ontario notice, with 2026 rules and compensation.Rent and Property Tax Credits CalculatorOntario Trillium, BC renter's credit and home owner grant, Manitoba and Quebec credits for rent or property tax.
Investing in property
Rental ROI CalculatorCompare purchase, financing and operating assumptions to explore a rental property’s possible returns.Cap Rate CalculatorNet operating income, cap rate and gross rent multiplier for a rental property.House Flipping CalculatorProfit on a fix-and-flip after costs and the tax under Canada’s 365-day flipping rule.BRRRR CalculatorCash in, cash back from an 80% refinance, the new payment and cash flow on a BRRRR rental.Lot and Land Price CalculatorLot size in square feet, acres and hectares, and the price per square foot, per acre and per front foot.Rental Property Sale Tax CalculatorTax when you sell a rental: CCA recapture or terminal loss, and the capital gain on building and land.
Income, tax and savings
Take-Home Pay Calculator2026 income tax, CPP or QPP and EI in every province and territory, with your take-home pay.RRSP CalculatorYour 2026 RRSP deduction limit and the income tax a contribution could save.TFSA Room CalculatorYour 2026 TFSA contribution room from the CRA limits since 2009, your contributions and withdrawals.FHSA CalculatorFirst Home Savings Account room: $8,000 a year, carry-forward and the $40,000 lifetime limit.Savings and GIC Growth CalculatorSee how a deposit and yearly contributions grow with compound interest, for savings or a GIC.Sales Tax CalculatorGST, HST, PST or QST for every province, added to a price or taken out of a total.RESP CalculatorAn RESP to age 18 with the Canada Education Savings Grant and its $7,200 lifetime maximum.Moving Expenses DeductionWhether your move qualifies under the 40 km rule, the eligible costs and what you can deduct this year.RRSP vs TFSA vs FHSAWhich account leaves you with more after tax: RRSP, TFSA or, for first-time buyers, FHSA.CPP and OAS CalculatorCPP and OAS for any start age from 60 to 70, partial OAS, and the OAS recovery tax, with 2026 amounts.
Debt and loans
Car Loan CalculatorEstimate a monthly car loan payment and the total interest over the term.Credit Card Payoff CalculatorSee how long a card balance takes to clear at a fixed monthly payment, and what the interest costs.Debt Consolidation CalculatorCompare the interest on up to three debts with one consolidated loan.Car Lease vs Buy CalculatorLeasing against financing the same car, with tax, extra kilometres and the car's value at the end.
Agents and the self-employed
Commission CalculatorSee what you keep from a commission after the brokerage split, transaction fees and any annual cap.Vehicle Business UseThe business share of vehicle expenses, and the CRA simplified logbook test.Agent Income GoalDeals a year to reach an income goal after the split, cap, fees and expenses.Business Use of HomeThe self-employed business-use-of-home deduction, its limit and the amount carried forward.
Household money
Home projects
Square Footage CalculatorAdd up rooms in square feet or square metres.Paint CalculatorLitres of paint, cans and pails for a room.Flooring CalculatorBoxes of flooring or tile with waste, and the cost.Renovation Tax CreditsThe federal home accessibility and multigenerational home renovation tax credits.Home Maintenance PlannerA yearly maintenance budget and the seasonal checklist for this time of year, from CMHC’s calendar.Home Heating Cost CalculatorHeat pump, gas, oil, propane or electric: yearly heating cost for 21 cities with NRCan's method and your prices.