Calculators & tools
Run The
Numbers
Twenty-one free, easy-to-use calculators for buying, selling, investing and renting in Ontario — built to give you clear estimates before you make a move.
21 calculators
Buying
Buying Calculators
From your first payment estimate to the cash you'll need on closing day — the numbers behind a confident purchase.
01 Tool · Buying
Mortgage Payment Calculator
Estimate your mortgage payment from price, down payment, rate and amortization.
Open the tool02 Tool · Buying
Mortgage Affordability Calculator
How much home you may be able to afford based on income, debts and down payment.
Open the tool03 Tool · Buying
Mortgage Stress Test Calculator
See how Canada's stress test affects the mortgage you could qualify for.
Open the tool04 Tool · Buying
Land Transfer Tax Calculator
Ontario LTT and Toronto MLTT, with first-time buyer rebates.
Open the tool05 Tool · Buying
Closing Costs Calculator
How much cash you may need on closing day beyond your down payment.
Open the tool06 Tool · Buying
Down Payment Calculator
Minimum down payment rules and how different amounts change your mortgage.
Open the tool07 Tool · Buying
First-Time Buyer Calculator
Down payment, rebates, FHSA and HBP — and the cash you'll need.
Open the tool08 Tool · Buying
Rent vs. Buy Calculator
Compare the long-term financial impact of renting versus owning.
Open the tool09 Tool · Buying
Property Tax Calculator
Estimate annual and monthly property taxes by Ontario municipality.
Open the tool
Selling
Selling Calculators
Know exactly where you stand before the sign goes up — proceeds, commission and renewal timing.
01 Tool · Selling
Home Sale Net Proceeds Calculator
Estimate what you may walk away with after selling your home.
Open the tool02 Tool · Selling
Real Estate Commission Calculator
Estimate brokerage compensation and HST for a potential sale.
Open the tool03 Tool · Selling
Mortgage Prepayment Calculator
See how extra payments could make you mortgage-free sooner.
Open the tool04 Tool · Selling
Mortgage Renewal Calculator
How a different rate at renewal could change your payment.
Open the tool
Investing
Investing Calculators
Cash flow, cap rates and real returns — run the figures on an income property before you offer.
01 Tool · Investing
Investment Property Calculator
Cash flow, cap rate, cash-on-cash and ROI for a rental property.
Open the tool02 Tool · Investing
Rental Cash Flow Calculator
Monthly and annual cash flow after financing and expenses.
Open the tool03 Tool · Investing
Cap Rate Calculator
Capitalization rate from Net Operating Income and property value.
Open the tool04 Tool · Investing
Cash-on-Cash Return Calculator
Annual cash return compared with the cash you invested.
Open the tool05 Tool · Investing
Rental Yield Calculator
Gross and net rental yield for an income property.
Open the tool06 Tool · Investing
Break-Even Rent Calculator
The minimum rent needed to cover a property's expenses.
Open the tool
Landlords & Tenants
Landlords & Tenants
Ontario's rent rules and mid-month move math, made simple for both sides of the lease.
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