Interest rates, renewals and the cost of keeping your home
Translate a rate headline into mortgage payments, renewal risk and a realistic comparison of borrowing options.
10 related toolsUnderstand the market.
Work through your decision.
Connect official economic signals to the money, records and choices behind a property. Practical reading for every one of our 80 tools, before you buy, borrow, rent, renovate or sell.
Start with your decision
Read the explanation, open the relevant tool and compare a base case with a less favourable case. The articles are public; no account is needed to read them. Ask the signed-in assistant for help with your next task.
Editorial review: . Market briefings retain their observation and publication dates. General information; confirm property-specific lending, tax and legal questions with the appropriate professional.
Explore the economic questions
Build a buying budget that survives closing day
Connect affordability, down payment, insurance and closing costs without confusing approval with a comfortable household budget.
8 related toolsRental returns: separate income, cash flow and tax
Use local rent evidence, realistic operating costs and separate tax calculations to understand a rental investment.
7 related toolsPrice, proceeds and certainty: comparing a sale properly
Compare sale offers using net proceeds, financing costs, conditions and timing instead of the headline price alone.
7 related toolsSaving for a home: match the account to the deadline
Organize a home deposit and longer-term savings around timing, access, tax treatment and independently verified contribution room.
7 related toolsThe household balance sheet behind a property decision
Connect after-tax income, consumer debt, transport costs and emergency savings before taking on housing costs.
7 related toolsRental operations: lawful increases, clear balances and reliable records
Connect tenancy records, provincial rules and affordability without confusing legal limits with market forecasts.
8 related toolsRenovation economics: quantities, energy savings and a realistic budget
Move from room measurements to installed costs and test energy upgrades without assuming guaranteed savings or resale gains.
4 related toolsAgent economics: turn activity and commissions into a cash plan
Understand commission timing, business costs, vehicle records and taxes when housing activity changes.
7 related toolsListing work that supports informed decisions
Use photos, open-house records, reports and document tools to reduce confusion through a property transaction.
5 related toolsOwnership costs and retirement: equity is only one part of the plan
Bring maintenance, property tax, condo reserves, retirement income and equity borrowing into one ownership plan.
4 related toolsRead housing data without turning a headline into a forecast
Distinguish inflation, local prices, supply, rent, measurement and tax assumptions when making property decisions.
6 related toolsFind the reading for your tool
80 tools with related reading
- Mortgage CalculatorExplore payment scenarios with your clients using the existing Canadian mortgage calculation tool.Read the economic context →
- Mortgage Renewal CalculatorSee your new payment at renewal from the remaining balance, the new rate and the amortization left.Read the economic context →
- Refinance CalculatorCompare your mortgage with a refinance: new payment, cash out, the 80% limit, costs and break-even.Read the economic context →
- HELOC CalculatorEstimate a home equity line of credit limit under the 65% and 80% rules, and the interest-only payment.Read the economic context →
- Mortgage Payoff CalculatorHow much sooner you pay off the mortgage with accelerated, extra and lump-sum payments.Read the economic context →
- Amortization ScheduleYear-by-year interest, principal and balance with Canadian semi-annual compounding.Read the economic context →
- Mortgage ComparisonCompare up to three mortgage offers on payment, interest, fees, cash back and cost per year.Read the economic context →
- Trigger Rate CalculatorThe rate at which a fixed payment on a variable mortgage only covers interest.Read the economic context →
- Blend and ExtendAn estimated blended rate for extending early or borrowing more, against breaking the mortgage.Read the economic context →
- Prepay or Invest CalculatorPut extra money on the mortgage or invest it? Payoff date, interest saved and which leaves you with more.Read the economic context →
- Affordability CalculatorEstimate a maximum purchase price in any province from income and debts, with the stress test, land transfer tax and monthly costs.Read the economic context →
- Closing Cost CalculatorPrepare a starting estimate for the expenses around a property purchase. Confirm actual costs with your advisers.Read the economic context →
- Down Payment CalculatorFind the minimum down payment for a price and compare 5% to 20% down with the insurance premium on each.Read the economic context →
- CMHC Insurance CalculatorEstimate the mortgage insurance premium, the sales tax due at closing and the total mortgage.Read the economic context →
- New Home GST/HST RebateGST/HST rebates on a new home: the new housing rebate, the first-time buyers’ rebate and Ontario’s rebate.Read the economic context →
- Land Transfer Tax CalculatorLand transfer tax, welcome tax or registration fees in every province and territory, with first-time buyer rebates.Read the economic context →
- GDS and TDS CalculatorYour debt service ratios at the stress-test rate against the 39% and 44% limits.Read the economic context →
- Co-Ownership CalculatorWho owns how much when you buy with family or friends, now and in a few years.Read the economic context →
- Rental ROI CalculatorCompare purchase, financing and operating assumptions to explore a rental property’s possible returns.Read the economic context →
- Cap Rate CalculatorNet operating income, cap rate and gross rent multiplier for a rental property.Read the economic context →
- BRRRR CalculatorCash in, cash back from an 80% refinance, the new payment and cash flow on a BRRRR rental.Read the economic context →
- Short-Term Rental CalculatorShort-term rental income against a long-term lease, with fees, cleaning and break-even occupancy.Read the economic context →
- Sell or Rent Out?Compare selling now with keeping your home as a rental, including the tax on the change of use.Read the economic context →
- Rental Income Tax (T776)Net rental income for Form T776, with shared costs split when you rent part of your home.Read the economic context →
- Rental Property Sale Tax CalculatorTax when you sell a rental: CCA recapture or terminal loss, and the capital gain on building and land.Read the economic context →
- Seller Net Proceeds CalculatorEstimate what a home seller keeps after commission, HST, mortgage payoff and closing costs.Read the economic context →
- Offer ComparisonCompare up to three offers on net to the seller, closing dates, deposits and the conditions that could end the deal.Read the economic context →
- Mortgage Penalty EstimatorEstimate the cost of breaking a Canadian mortgage: three months’ interest, or the rate differential on a fixed rate.Read the economic context →
- Capital Gains on PropertyTax on selling a home, rental or cottage, with the principal residence exemption and the flipping rule.Read the economic context →
- House Flipping CalculatorProfit on a fix-and-flip after costs and the tax under Canada’s 365-day flipping rule.Read the economic context →
- Comparable Sales CalculatorA value range from up to five comparable sales you enter, by adjusted price per square foot. Agents can print a report under their own name and logo.Read the economic context →
- Offer DeadlinesEach condition’s deadline in calendar or business days, and a closing date check.Read the economic context →
- Savings and GIC Growth CalculatorSee how a deposit and yearly contributions grow with compound interest, for savings or a GIC.Read the economic context →
- TFSA Room CalculatorYour 2026 TFSA contribution room from the CRA limits since 2009, your contributions and withdrawals.Read the economic context →
- FHSA CalculatorFirst Home Savings Account room: $8,000 a year, carry-forward and the $40,000 lifetime limit.Read the economic context →
- RRSP CalculatorYour 2026 RRSP deduction limit and the income tax a contribution could save.Read the economic context →
- RESP CalculatorAn RESP to age 18 with the Canada Education Savings Grant and its $7,200 lifetime maximum.Read the economic context →
- Down Payment SavingsHow long it takes to save the down payment and closing costs for the home you want.Read the economic context →
- RRSP vs TFSA vs FHSAWhich account leaves you with more after tax: RRSP, TFSA or, for first-time buyers, FHSA.Read the economic context →
- Car Loan CalculatorEstimate a monthly car loan payment and the total interest over the term.Read the economic context →
- Credit Card Payoff CalculatorSee how long a card balance takes to clear at a fixed monthly payment, and what the interest costs.Read the economic context →
- Debt Consolidation CalculatorCompare the interest on up to three debts with one consolidated loan.Read the economic context →
- Take-Home Pay Calculator2026 income tax, CPP or QPP and EI in every province and territory, with your take-home pay.Read the economic context →
- Budget CalculatorA monthly budget from your take-home pay, compared with the 50/30/20 rule of thumb.Read the economic context →
- Net Worth CalculatorWhat you own minus what you owe, including your home equity.Read the economic context →
- Car Lease vs Buy CalculatorLeasing against financing the same car, with tax, extra kilometres and the car's value at the end.Read the economic context →
- Landlord WorkspaceTrack rent and repairs by tenant: who owes what, a printable yearly rent statement and rent totals for your tax return.Read the economic context →
- Lease WorkspaceOrganize rental details and prepare a lease package. Review the requirements for your jurisdiction before use.Read the economic context →
- Rent Increase CalculatorThe maximum legal rent increase and the earliest date it can start in Ontario, BC or Manitoba.Read the economic context →
- Rent Affordability CalculatorThe monthly rent that fits your income under CMHC’s 30% affordability standard.Read the economic context →
- Prorated Rent CalculatorRent for a partial first month, by the days in the month or a yearly daily rate.Read the economic context →
- Rent Receipt GeneratorA printable rent receipt with the period, amount and payment method. Nothing leaves your browser.Read the economic context →
- Ontario Notice Date CalculatorEarliest termination date for an N4, N12, N13, N9 or other Ontario notice, with 2026 rules and compensation.Read the economic context →
- Rent and Property Tax Credits CalculatorOntario Trillium, BC renter's credit and home owner grant, Manitoba and Quebec credits for rent or property tax.Read the economic context →
- Paint CalculatorLitres of paint, cans and pails for a room.Read the economic context →
- Flooring CalculatorBoxes of flooring or tile with waste, and the cost.Read the economic context →
- Renovation Tax CreditsThe federal home accessibility and multigenerational home renovation tax credits.Read the economic context →
- Home Heating Cost CalculatorHeat pump, gas, oil, propane or electric: yearly heating cost for 21 cities with NRCan's method and your prices.Read the economic context →
- Mileage LogbookKeep your property visits in order. Log trips, record odometers and export an annual mileage summary.Read the economic context →
- Estimates & InvoicesPrepare clear estimates and invoices with line items, contact details and a document ready to share.Read the economic context →
- Commission CalculatorSee what you keep from a commission after the brokerage split, transaction fees and any annual cap.Read the economic context →
- Vehicle Business UseThe business share of vehicle expenses, and the CRA simplified logbook test.Read the economic context →
- Sales Tax CalculatorGST, HST, PST or QST for every province, added to a price or taken out of a total.Read the economic context →
- Agent Income GoalDeals a year to reach an income goal after the split, cap, fees and expenses.Read the economic context →
- Business Use of HomeThe self-employed business-use-of-home deduction, its limit and the amount carried forward.Read the economic context →
- Virtual StagingHelp buyers picture the possibilities. Stage a room, compare it with the original and choose the results you want to keep.Read the economic context →
- Open HouseA welcoming sign-in on your tablet. Collect visitor details, keep private notes and export your follow-up list.Read the economic context →
- Property Photo ReportsTurn property photos and notes into an organized report for inspections, handovers and maintenance.Read the economic context →
- PDF SigningAdd a visible signature to a PDF and prepare your document for download. Not an identity-verification service.Read the economic context →
- Moving ChecklistGive your clients a practical moving plan, from the first arrangements to the keys on moving day.Read the economic context →
- Home Maintenance PlannerA yearly maintenance budget and the seasonal checklist for this time of year, from CMHC’s calendar.Read the economic context →
- Property Tax Calculator2026 property tax in 30 Canadian cities, from each city’s official residential rate.Read the economic context →
- 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.Read the economic context →
- CPP and OAS CalculatorCPP and OAS for any start age from 60 to 70, partial OAS, and the OAS recovery tax, with 2026 amounts.Read the economic context →
- Rent vs Buy CalculatorCompare what you would have after a set number of years if you rent and invest, or buy a home.Read the economic context →
- Inflation CalculatorWhat an amount from any year since 1914 is worth in another, using Statistics Canada’s CPI.Read the economic context →
- Square Footage CalculatorAdd up rooms in square feet or square metres.Read the economic context →
- Lot and Land Price CalculatorLot size in square feet, acres and hectares, and the price per square foot, per acre and per front foot.Read the economic context →
- Vacant Home Tax CalculatorVacant and empty home taxes in Toronto, Vancouver, Ottawa, other cities and BC’s speculation tax areas.Read the economic context →
- Moving Expenses DeductionWhether your move qualifies under the 40 km rule, the eligible costs and what you can deduct this year.Read the economic context →
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