14 free calculators to help you buy, sell, and invest with confidence — from affordability and mortgage payments to land transfer tax, closing costs, and rental forecasts. Download a PDF report from any calculator, or email it to yourself.
How much home can you afford? Enter your income, down payment, debts and see your maximum affordable price with Afford Score and GDS/TDS qualification checks.
Open calculatorCalculate your monthly mortgage payment with full amortization schedule. Compare weekly, bi-weekly and monthly payment frequencies.
Open calculatorEstimate your total monthly housing costs including mortgage, property tax, heating and condo fees with GDS/TDS ratio validation.
Open calculatorFind the maximum mortgage you qualify for based on your income, debts and housing expenses. Includes stress test qualifying rate.
Open calculatorDetermine the minimum household income needed to qualify for your target property at current rates and amortization.
Open calculatorCompare your current mortgage rate with renewal options. See monthly savings and total interest saved over the remaining amortization.
Open calculatorCompare up to 3 lenders side by side. Name each bank or broker, set custom rates, terms and amortization periods to find the best deal.
Open calculator NewCompare 5%, 10%, 15% and 20% down payments side by side. See how much you save on mortgage insurance, monthly payments and total interest. Should you buy now or wait and save?
Open calculatorCalculate Ontario and Toronto land transfer tax with first-time home buyer rebates. See the full progressive rate breakdown.
Open calculatorEstimate all closing costs including land transfer tax, CMHC, legal fees, title insurance and customizable ancillary items.
Open calculator New 2026Calculate the new $130K HST rebate for pre-construction homes. Compare expanded new rules vs. existing rebate framework side by side.
Open calculatorCompare the total cost of buying a home versus renting over any time period. See when buying breaks even and how much equity you build. Make an informed decision with a clear side-by-side comparison.
Open calculator NewEstimate how much you keep after selling your property. Deduct realtor commission, legal fees, mortgage penalty, discharge fee, moving costs, staging and more. See your net profit instantly.
Open calculatorAll calculations use current Canadian mortgage rules, including the mortgage stress test, minimum down payment brackets, and CMHC insurance tiers. Figures are estimates for informational purposes only and are not financial advice. Tax rules shown reflect the assumptions dated in each calculator — confirm with your mortgage professional, lawyer, or accountant before making decisions.