Skip to main content

Canadian Co-Ownership Equity Split Calculator

Co-buying property in Canada is increasingly popular. Use this tool to determine fair equity splits based on unequal down payments and ongoing contributions.

Land Transfer Tax, Legal Fees, etc.

Buyer A Contributions

Buyer B Contributions

Related Calculators

🏠

Mortgage & Stress Test

Core payment calculator with stress test.

 💡

Affordability Calculator

Maximum home price from GDS/TDS ratios and stress-test rules.

 🛡️

CMHC Insurance Premium

Default insurance premium tiers and PST due on closing.

 ⚠️

Mortgage Penalty (IRD)

Break penalty: 3-month interest or IRD.

 📆

Payment Frequency Savings

Monthly vs bi-weekly vs accelerated — interest and time saved.

 🔄

Change in Use (Deemed Disposition)

Calculate deemed capital gains tax and Section 45(2)/(3) deferrals when converting a primary residence to a rental or vice versa.

 🏠

Secondary Suite Buying Power

Calculate extra mortgage power unlocked by a legal basement suite using CMHC rental add-back.

 🏢

Rent Control Exemption Premium

Calculate the extra property value created by having a rent-control-exempt building.

Suggested Properties

High Traffic Retail Plaza

High Traffic Retail Plaza

Excellent property available immediately. Great location and competitive price...

$0.00
Modern Industrial Warehouse

Modern Industrial Warehouse

Excellent property available immediately. Great location and competitive price...

$0.00
Luxury Suburban Home

Luxury Suburban Home

Excellent property available immediately. Great location and competitive price...

$0.00
Skyline View Condo

Skyline View Condo

Excellent property available immediately. Great location and competitive price...

$0.00