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Pick the path closest to you — every calculator is still one click away either way.
Every calculator
Every calculator uses your province's actual rules and rates, and shows its work.
Buying
Monthly payment, CMHC insurance premium, and total interest — using Canada's semi-annual compounding rules.
Open calculator Affordability calculatorHow much home you're likely to qualify for, using the OSFI mortgage stress test and GDS/TDS ratios.
Open calculator Closing cost & land transfer tax calculatorLand transfer tax (or property transfer tax), legal fees, title insurance and more, by province.
Open calculator Rent vs. buy calculatorCompare renting and investing the difference against buying, over the years you actually plan to stay.
Open calculatorOwning
How much you could borrow against your home's equity, and what drawing on it would cost per month.
Open calculator Extra & accelerated payment calculatorSee how much time and interest you'd save with accelerated biweekly payments or extra monthly payments.
Open calculator Mortgage penalty calculatorEstimate the cost of breaking your mortgage early — 3 months' interest vs. the Interest Rate Differential.
Open calculator Mortgage renewal calculatorSee your renewal offer next to what shopping around could save you — most people never check.
Open calculator Mortgage refinance calculatorNets your break penalty against the savings from a lower rate, with a clear break-even point.
Open calculator Vacant home tax calculatorToronto, Vancouver, and BC's Speculation & Vacancy Tax — what an empty property could cost you.
Open calculator Life insurance needs calculatorHow much coverage your family would need to keep the home, using the DIME method.
Open calculatorInvesting
Selling
Realtor commission, tax on commission, legal fees, and mortgage payout — netted against your sale price.
Open calculator Capital gains calculatorEstimate the tax on selling an investment property, using the current 50% inclusion rate.
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