Tools & Calculators
Canadian real estate calculators that work with your listings — mortgage, tax, cash flow, closing costs, and more. Each tool opens on its own page with the same layout and sidebar.
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Mortgage & Stress Test Calculator
Calculate your Canadian mortgage payments with semi-annual compounding & OSFI stress test rules.
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Land Transfer Tax Calculator
Calculate municipal & provincial land transfer tax for Ontario, Toronto, BC, and more.
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Closing Costs Estimator
Estimate your total upfront cash needed on closing including legal, tax & adjustment fees.
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Rental Property Cash-Flow Estimator
Estimate your real estate investment cash flow, NOI, cap rate & cash-on-cash returns.
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Rent vs Buy Calculator
Compare the long-term wealth building & total net cost of renting vs buying a home.
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Mortgage Affordability Calculator
Find your maximum purchasing power based on household income, down payment & debt ratios.
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For Buyers & Sellers
Estimating affordability, closing costs, and tax implications for buying or selling a home.
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.
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- Original purchase price, Fair market value at change, Total years owned, Years designated as principal residence, Marginal tax rate, CCA claimed.
- Total capital gain, PRE amount, Taxable gain before inclusion, Inclusion amount, Estimated income tax due, Section 45 election eligibility.
1. Enter property values and timeline. 2. Provide your marginal tax rate and indicate if CCA was claimed. 3. Review the potential tax liability and eligibility for Section 45 deferral elections.
Secondary Suite Buying Power
Calculate extra mortgage power unlocked by a legal basement suite using CMHC rental add-back.
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- Income, expected rent, property taxes, heating, debts, rate, amortization.
- Extra buying power unlocked, side-by-side comparison with and without suite.
1. Enter your base income and expected monthly suite rent. 2. Input your property taxes and debts. 3. Review the massive boost to your qualifying mortgage amount.
Rent Control Exemption Premium
Calculate the extra property value created by having a rent-control-exempt building.
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- Starting monthly rent, hold period, market cap rate, controlled rate, exempt rate, and tenant turnover probability.
- Total extra rental cash flow, property value premium at sale, and final year monthly rent gap.
1. Enter base property assumptions and hold period. 2. Input expected rent increase trajectories and turnover chances. 3. Review the financial advantage of the exemption.
Condo Fee Analyzer
Analyze condo fees, freehold equivalent power, and special assessments.
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- Purchase price, down payment, interest rate, amortization, condo fee, and estimated building repair costs.
- Total monthly cost, Freehold Equivalent buying power, and estimated special assessment per unit.
1. Enter condo purchase details and mortgage terms. 2. Input the monthly condo fee and potential building repair costs. 3. Review the true cost of ownership and the freehold equivalent price.
Holdco vs Personal Tax
Compare the 50%+ corporate passive tax rate against personal brackets.
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- Net Rental Income
- Province
- Personal Marginal Tax Rate
- Personal Taxes Paid
- Corporate Upfront Tax
- RDTOH Refund
- Final Integrated Cash
1. Enter your net rental income. 2. Select your province to determine the corporate rate. 3. See if a Holdco makes sense for passive income.
Required Income Calculator
Calculate qualifying income using the OSFI stress test.
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- Purchase price, down payment, interest rate, debts.
- Required qualifying income, GDS/TDS limits, qualifying payment.
1. Enter property details and debts. 2. Review the required income to pass the stress test.
Spousal Buyout Calculator
Calculate max equity available (up to 95% LTV) to buy out an ex-spouse.
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- Home value, current mortgage balance, joint debts, ex-spouse equity share.
- Required new mortgage, LTV, CMHC premium, and final payout.
1. Enter the estimated home value. 2. Input your current joint mortgage and debts. 3. Enter the percentage of net equity owed to the ex-spouse. 4. Review the required new mortgage and LTV to see if you qualify for the 95% spousal buyout program.
Co-Ownership Calculator
Calculate shared equity, mortgage, and running costs for 2-4 co-buyers.
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- Home value, down payment, number of co-buyers, estimated running costs.
- Per-person down payment, monthly mortgage share, and total shared costs.
1. Enter the total home value and down payment. 2. Input the number of co-buyers. 3. Review the individual financial commitments and shared costs.
Mortgage & Stress Test
Core payment calculator with stress test.
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- Purchase price, down payment, interest rate, term, and amortization period.
- Monthly payment amount, total interest cost, and stress test eligibility.
1. Go to the Mortgage section. 2. Enter property and loan details. 3. View the amortization schedule and stress test results.
Affordability Calculator
Maximum home price from GDS/TDS ratios and stress-test rules.
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- Gross income, monthly debts, property taxes, heating costs.
- Maximum allowable purchase price, GDS/TDS ratios.
1. Enter household income and debts. 2. Input estimated property taxes. 3. Review the maximum purchase limit.
Mortgage Affordability & Stress Test
Max purchase price and mortgage amount under OSFI stress test.
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- Purchase price, down payment, interest rate, term, and amortization period.
- Monthly payment amount, total interest cost, and stress test eligibility.
1. Go to the Mortgage section. 2. Enter property and loan details. 3. View the amortization schedule and stress test results.
Minimum Down Payment
Legal minimum down payment using 5% / 10% / 20% tiers.
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- Target purchase price.
- Required minimum down payment (5% up to $500k, 10% on portion up to $1M, 20% over $1M).
1. Enter your target home purchase price. 2. Review the legally required minimum down payment tiers.
CMHC Insurance Premium
Default insurance premium tiers and PST due on closing.
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- Purchase price, down payment amount or percentage.
- CMHC premium rate (2.8% to 4.0%), total premium added to mortgage, and PST due on closing.
1. Enter purchase price and down payment. 2. Review the calculated default insurance premium and cash needed for provincial sales tax on closing.
Closing Costs Estimator
Cash needed on closing: LTT, CMHC PST, legal, title insurance.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
Land Transfer Tax (LTT)
Provincial and municipal land transfer tax with FTHB rebates.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
BC Property Transfer Tax
BC PTT brackets, FTHB and newly built exemptions, foreign buyer tax.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
Quebec Welcome Tax
Property transfer duties for Montreal and rest of Quebec.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
First-Time Home Buyer (HBP & FTHBI)
RRSP HBP withdrawals and First-Time Home Buyer Incentive.
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- Qualifying RRSP/FHSA balances, income, purchase price.
- Available withdrawal limits under HBP, potential FTHBI shared equity amounts.
1. Input your current registered savings balances. 2. Review how much can be used tax-free towards your first home purchase.
FHSA Growth & Tax Savings
FHSA contribution limits, growth, and estimated tax refunds.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
FHSA & RRSP HBP Calculator
Combined FHSA and expanded RRSP HBP planning for 2026.
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- Qualifying RRSP/FHSA balances, income, purchase price.
- Available withdrawal limits under HBP, potential FTHBI shared equity amounts.
1. Input your current registered savings balances. 2. Review how much can be used tax-free towards your first home purchase.
Qualifying Income
Income needed to qualify for a given mortgage scenario.
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- Gross income, monthly debts, property taxes, heating costs.
- Maximum allowable purchase price, GDS/TDS ratios.
1. Enter household income and debts. 2. Input estimated property taxes. 3. Review the maximum purchase limit.
Appraisal Shortfall & Gap
Extra cash if appraisal comes in below purchase price.
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- Purchase price, appraisal value, available cash for down payment.
- Required cash gap to close, adjusted LTV, and revised mortgage amount.
1. Input the agreed purchase price and the lower appraised value. 2. Enter your available down payment. 3. Review the exact cash shortfall required to close the deal.
Cost of Waiting to Buy
Financial impact of delaying a purchase vs buying today.
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- Current home price, expected annual appreciation, current savings rate, target purchase timeline.
- Future home price, required future down payment, and cost/loss of equity by delaying purchase.
1. Enter the current target home price and expected market appreciation rate. 2. Input your savings timeline. 3. Review the financial impact of buying now vs. later.
Rent-to-Own
Accumulated equity and final mortgage under a rent-to-own deal.
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- Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
- Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
1. Input expected rental income and expenses. 2. Enter purchase price and financing. 3. Analyze the resulting cash flow and ROI metrics.
Assumable Mortgage Value
Value of assuming a seller low-rate mortgage vs new rates.
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- Purchase price, down payment, interest rate, term, and amortization period.
- Monthly payment amount, total interest cost, and stress test eligibility.
1. Go to the Mortgage section. 2. Enter property and loan details. 3. View the amortization schedule and stress test results.
Bridge Loan Cost
Cost of bridging between buying and selling.
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- Existing home sale price, new home purchase price, current mortgage, bridge loan interest rate, gap in closing days.
- Total bridge loan amount required, estimated interest cost, and administrative fees.
1. Enter the sale and purchase prices along with your current mortgage balance. 2. Input the number of days between the two closing dates. 3. Review the total bridge financing costs.
Co-Ownership Equity Split
Ownership %, unequal downs, and ongoing contributions.
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- Sale price, commission percentage splits (buying/listing), brokerage fees.
- Gross commission, net commission after splits, tax estimates.
1. Enter property sale price. 2. Input your brokerage split model. 3. Review the net take-home commission.
What is your home worth?
Quick market value estimate for a Canadian home.
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- Specific property details and variables (e.g. price, rates).
- Calculations or professional listings.
1. Open the tool. 2. Provide required parameters. 3. Assess the results output.
HELOC vs Refinance
Compare breaking mortgage vs adding a HELOC.
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- Current mortgage balance/rate, funds needed, break penalty, new HELOC and refinance rates.
- Total interest comparison, blended rate, and recommended option.
1. Enter your current mortgage and the additional funds needed. 2. Input current HELOC and refinance rates. 3. See which option saves you more money.
Fixed vs Variable
Compare 5-year fixed vs variable under rate scenarios.
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- Mortgage amount, fixed rate, current variable rate, expected BoC rate changes.
- Total interest paid over term, break-even point between fixed and variable scenarios.
1. Enter the mortgage amount and compare the offered fixed and variable rates. 2. Simulate future prime rate changes. 3. Review the total cost comparison over the 5-year term.
Payment Frequency Savings
Monthly vs bi-weekly vs accelerated — interest and time saved.
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- Mortgage amount, interest rate, amortization, selected payment frequency (monthly vs accelerated bi-weekly).
- Total interest saved, years shaved off amortization.
1. Input your standard mortgage details. 2. Select accelerated bi-weekly or weekly payments. 3. Review the long-term interest savings and shortened payoff timeline.
Mortgage Penalty (IRD)
Break penalty: 3-month interest or IRD.
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- Purchase price, down payment, interest rate, term, and amortization period.
- Monthly payment amount, total interest cost, and stress test eligibility.
1. Go to the Mortgage section. 2. Enter property and loan details. 3. View the amortization schedule and stress test results.
Refinance & Debt Consolidation
Cash-flow impact of consolidating debt into a mortgage.
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- Current mortgage balance, home value, high-interest debt balances (credit cards, loans), penalty to break mortgage.
- New consolidated mortgage payment, total monthly cash flow savings, adjusted amortization.
1. Enter your current mortgage and home value. 2. List your high-interest debts. 3. Include any mortgage break penalties. 4. Review your new monthly payment and cash flow improvements.
Debt Consolidation
Monthly savings when rolling consumer debt into a mortgage.
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- Current mortgage balance, home value, high-interest debt balances (credit cards, loans), penalty to break mortgage.
- New consolidated mortgage payment, total monthly cash flow savings, adjusted amortization.
1. Enter your current mortgage and home value. 2. List your high-interest debts. 3. Include any mortgage break penalties. 4. Review your new monthly payment and cash flow improvements.
Renewal & Switch
Compare renewal offer vs switching lenders after fees.
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- Current mortgage balance, remaining amortization, renewal rate offered, competitor rate.
- Payment difference, total term interest comparison, cost to switch lenders.
1. Enter your mortgage balance at renewal. 2. Compare your current lender's offer with market rates. 3. Evaluate if the savings outweigh the costs of switching lenders.
Portability & Blended Rate
Blended rate when porting and topping up.
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- Current mortgage balance/rate, new home purchase price, additional funds needed, new market rate.
- Blended interest rate, combined monthly payment, penalty savings by porting.
1. Input your existing mortgage details to be ported. 2. Enter the new mortgage funds required and current rates. 3. Review the resulting blended rate and new payment.
Prepayment & Lump Sum
Interest saved and years shaved with extra payments.
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- Mortgage balance, interest rate, amortization, lump sum amount, increased periodic payment.
- Interest saved over the life of the loan, new shortened amortization period.
1. Enter your current mortgage details. 2. Input a one-time lump sum or an increased monthly payment. 3. Review the impact on your total interest and payoff date.
HELOC Limit
OSFI HELOC caps: 65% HELOC / 80% combined LTV.
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- Specific property details and variables (e.g. price, rates).
- Calculations or professional listings.
1. Open the tool. 2. Provide required parameters. 3. Assess the results output.
Private Mortgage & True APR
Interest-only private loans, fees, and true APR.
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- Purchase price, down payment, interest rate, term, and amortization period.
- Monthly payment amount, total interest cost, and stress test eligibility.
1. Go to the Mortgage section. 2. Enter property and loan details. 3. View the amortization schedule and stress test results.
Reverse Mortgage (CHIP)
Tax-free cash access and equity over time for seniors.
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- Purchase price, down payment, interest rate, term, and amortization period.
- Monthly payment amount, total interest cost, and stress test eligibility.
1. Go to the Mortgage section. 2. Enter property and loan details. 3. View the amortization schedule and stress test results.
VTB Mortgage
Vendor take-back blended rates and dual payments.
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- Purchase price, down payment, interest rate, term, and amortization period.
- Monthly payment amount, total interest cost, and stress test eligibility.
1. Go to the Mortgage section. 2. Enter property and loan details. 3. View the amortization schedule and stress test results.
Smith Manoeuvre
Readvanceable mortgage strategy and tax-deductible interest.
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- Marginal tax rate, HELOC interest rate, expected investment return, initial investment amount.
- Tax deductions from interest, net investment growth, projected timeline to convert non-deductible debt to deductible debt.
1. Enter your tax rate and financing costs. 2. Input your expected investment returns. 3. Review the tax benefits and long-term equity growth of the strategy.
Purchase Plus Improvements
CMHC PPI renovation financing caps and down payment.
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- Purchase price, estimated renovation costs, appraised \"as-improved\" value.
- Total mortgage amount, required down payment on the improved value, holdback amount during renovations.
1. Input the base purchase price and planned renovation costs. 2. Enter the estimated as-improved value. 3. Review the required down payment and financing structure.
Rental Cash Flow & NOI
NOI, cap rate, cash-on-cash with Canadian mortgage math.
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- Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
- Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
1. Input expected rental income and expenses. 2. Enter purchase price and financing. 3. Analyze the resulting cash flow and ROI metrics.
BRRRR Strategy
Buy, rehab, rent, refinance, repeat — cash left in deal.
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- Purchase price, rehab costs, holding costs, After Repair Value (ARV), refinance LTV, expected rent.
- Total capital left in the deal, new mortgage amount, cash flow after refinance, cash-on-cash ROI.
1. Enter purchase and rehab costs. 2. Input the expected ARV and refinance terms. 3. Review how much of your initial capital is recovered and the resulting cash flow.
House Hacking
Net living cost on a multi-family with CMHC rental add-back.
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- Purchase price, down payment, total monthly mortgage/expenses, expected rental income from secondary units/rooms.
- Net monthly housing cost, portion of mortgage covered by tenants, cash-on-cash return if applicable.
1. Enter property purchase and financing details. 2. Input expected rental income from other units or rooms. 3. Review your drastically reduced personal living expenses.
STR vs LTR Yield
After-tax short-term vs long-term rental income.
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- Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
- Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
1. Input expected rental income and expenses. 2. Enter purchase price and financing. 3. Analyze the resulting cash flow and ROI metrics.
Rent vs Sell
Keep as rental vs sell — cash flow and equity growth.
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- Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
- Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
1. Input expected rental income and expenses. 2. Enter purchase price and financing. 3. Analyze the resulting cash flow and ROI metrics.
ROE & Trapped Equity
True return on equity and accessible equity via refinance.
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- Current property value, outstanding mortgage, annual net rental income.
- Current Return on Equity (ROE), comparison of ROE vs taking equity out to reinvest.
1. Input current property value and mortgage to find trapped equity. 2. Enter net rental income. 3. Review your true ROE to decide if it's time to refinance or sell.
Cash for Keys ROI
Tenant buyout payback to reach market rent.
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- Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
- Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
1. Input expected rental income and expenses. 2. Enter purchase price and financing. 3. Analyze the resulting cash flow and ROI metrics.
Rent Increase & AGI
Guideline increases and above-guideline estimates.
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- Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
- Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
1. Input expected rental income and expenses. 2. Enter purchase price and financing. 3. Analyze the resulting cash flow and ROI metrics.
Eviction Compensation (N12/N13)
Ontario LTB compensation for personal use or reno.
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- Current monthly rent, number of units, applicable LTB forms (e.g., N12, N13), cash-for-keys negotiation target.
- Statutory minimum compensation required, suggested cash-for-keys offer range, total cost to vacate.
1. Enter current rent and select the eviction reason (personal use, renovation). 2. Review the legally required compensation and estimate cash-for-keys budgets.
Commercial Lease (TMI)
Base rent + TMI and multi-year escalations.
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- Base rent per sq ft, TMI (Taxes, Maintenance, Insurance) per sq ft, total square footage, lease term.
- Total monthly rent, total annual rent, overall lease value over the term.
1. Input base rent and TMI rates. 2. Enter the total leased area. 3. Review the complete monthly and annual financial obligations of the lease.
Commercial DSCR
Debt service coverage for investment properties.
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- Specific property details and variables (e.g. price, rates).
- Calculations or professional listings.
1. Open the tool. 2. Provide required parameters. 3. Assess the results output.
Industrial Warehouse Analyzer
Cost per pallet from clear height and NNN lease.
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- Purchase price, square footage, clear height, expected lease rate per sq ft, operating expenses.
- Cap rate, cash-on-cash return, price per square foot, projected NOI.
1. Input the industrial property details and expected lease rates. 2. Enter operating costs. 3. Review the yield metrics and valuation per square foot.
HST New Housing Rebate
GST/HST new housing and NRRP rebates (Ontario).
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- Specific property details and variables (e.g. price, rates).
- Calculations or professional listings.
1. Open the tool. 2. Provide required parameters. 3. Assess the results output.
STR Tax Denial
Calculate extra tax owed when STR expense deductions are denied.
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- Annual STR revenue, total operating expenses, and marginal tax rate.
- Extra tax owed, compliant vs non-compliant net income.
1. Enter your STR revenue and expenses. 2. Compare net income with and without expense deductions.
Capital Gains Tax
Inclusion rates after June 2024 rules for individuals and corps.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
Property Flipping Tax
Anti-flipping: business income vs capital gains by hold period.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
Principal Residence Exemption
Tax-free portion of gain using the 1+ years rule.
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- Specific property details and variables (e.g. price, rates).
- Calculations or professional listings.
1. Open the tool. 2. Provide required parameters. 3. Assess the results output.
Foreign Buyer / NRST
NRST and foreign buyer taxes (ON, BC, NS).
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- Specific property details and variables (e.g. price, rates).
- Calculations or professional listings.
1. Open the tool. 2. Provide required parameters. 3. Assess the results output.
NRST Estimator
Ontario 25%, BC 20%, NS 5% speculation tax.
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- Purchase price, property location (province/region), buyer citizenship status.
- Total Non-Resident Speculation Tax / Foreign Buyer Tax due on closing.
1. Enter the purchase price and location. 2. Confirm foreign buyer status. 3. Review the additional tax required to close the transaction.
Non-Resident Withholding Tax
CRA withholding with or without Section 116 certificate.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
Vacant / Underused Housing Tax
Federal UHT and municipal vacant home taxes.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
Property Tax Estimator
Municipal mill rates for major Canadian cities.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
Probate / Estate Fees
Estate administration / probate fees (ON, BC, AB).
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- Specific property details and variables (e.g. price, rates).
- Calculations or professional listings.
1. Open the tool. 2. Provide required parameters. 3. Assess the results output.
CCA & Recapture
Capital cost allowance and recapture on sale.
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- Building purchase price, land value, CCA class rate, years held, sale price.
- Annual depreciation claimable, Undepreciated Capital Cost (UCC), potential recapture tax upon sale.
1. Input the property cost breakdown and CCA class. 2. Simulate claiming depreciation over time. 3. Calculate the tax recapture hit when selling the property.
Home Office Expense
CRA-allowable home office deductions.
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- Total home square footage, office square footage, rent/mortgage interest, utilities, maintenance, property taxes.
- Eligible percentage of home use, total deductible home office expenses for tax purposes.
1. Enter your home and office sizes to calculate the deductible percentage. 2. Input annual household expenses. 3. Review your total allowable home office tax deduction.
Statement of Adjustments
Prorate taxes and condo fees to closing day.
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- Closing date, annual property taxes paid/unpaid, condo fees paid, fuel tank fill levels.
- Prorated credits/debits to the buyer and seller, final adjusted cash needed to close.
1. Enter the closing date. 2. Input prepaid annual taxes or fees by the seller. 3. Calculate the exact prorated adjustments for the final legal statement.
Brokerage Split Analyzer
Traditional vs capped vs flat-fee models.
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- Sale price, commission percentage splits (buying/listing), brokerage fees.
- Gross commission, net commission after splits, tax estimates.
1. Enter property sale price. 2. Input your brokerage split model. 3. Review the net take-home commission.
Market Data Hub
Rates and market indicators.
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- None (Data visualization)
- Current interest rates, Market trends, Economic indicators
1. Select the type of market data you want to view from the tabs. 2. Review the charts and metrics. 3. Use this data to inform your real estate decisions.
Probate Fee Calculator
Calculate provincial probate fees for a deceased person's real estate.
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- Province
- Total estate value.
- Estimated probate fee, effective tax rate, calculation breakdown.
1. Select your province. 2. Enter the estimated total estate value. 3. Review the probate fee calculation breakdown.
For Agents
Assisting clients with complex real estate math and optimizing agent tax and commission strategies.
Rent vs Buy
Long-term rent vs own with taxes, appreciation, and opportunity cost.
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- Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
- Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
1. Input expected rental income and expenses. 2. Enter purchase price and financing. 3. Analyze the resulting cash flow and ROI metrics.
Trigger Rate & Payment Shock
Variable-rate trigger rate and renewal payment shock.
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- Original mortgage amount, original variable rate, current variable rate, fixed payment amount.
- Estimated trigger rate (where payment only covers interest), new required payment to maintain amortization.
1. Enter your original variable rate mortgage details and static payment. 2. Input current rising rates. 3. Discover exactly when your payment will trigger an increase.
Cost Approach Valuation
Replacement cost less depreciation plus land.
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- Estimated land value, building square footage, replacement cost per sq ft, estimated depreciation percentage.
- Total property valuation using the Cost Approach method.
1. Estimate the raw land value. 2. Calculate the cost to rebuild the structure from scratch. 3. Subtract depreciation to find the final appraised value.
Commission & Net Proceeds
Agent commission, tax, and seller net proceeds.
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- Sale price, commission percentage splits (buying/listing), brokerage fees.
- Gross commission, net commission after splits, tax estimates.
1. Enter property sale price. 2. Input your brokerage split model. 3. Review the net take-home commission.
Agent Tax Calculator
Net income, CPP, and take-home for agents.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
PREC Tax Savings
Personal Real Estate Corporation tax deferral.
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- Purchase price, municipality/location, first-time buyer status.
- Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
1. Enter the purchase price and location. 2. Toggle first-time buyer if applicable. 3. Review total cash needed for closing.
Lead Wizard
Match clients with the right professionals.
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- Client details, desired location, budget, preferred property type, requested professional service (e.g., agent, lawyer, inspector).
- Matched professional profiles, estimated budget compatibility, automated introduction emails.
1. Input the client's specific needs and budget. 2. Let the wizard filter and match the best local professionals. 3. Review the matches and initiate contact securely.
Secure Document Gateway
Share brochures and reports securely.
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- Document file (PDF, image), client email, access permissions, expiry date.
- Secure tracking link, view notification alerts, access logs.
1. Upload the confidential real estate document. 2. Set client access rights and expiry. 3. Share the secure link and track when the document is opened.
For Builders
Evaluating development project viability, financing for multi-unit properties, and ROI for accessory dwelling units.
Multi-Unit Sub-Metering ROI
Calculate the forced appreciation and return on investment of installing sub-meters and shifting utility costs to tenants.
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- Number of units, cost per unit, monthly utility cost per unit, market cap rate.
- Total cost, annual expense reduction, cash-on-cash return, payback period, forced appreciation.
1. Enter the number of units and installation cost. 2. Input the average monthly utility cost you want to shift to tenants. 3. Provide the local market cap rate to see the forced appreciation.
Substantial Reno GST/HST
Determine if your flip triggers CRA mandatory GST/HST on sale.
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- Not documented yet
- Not documented yet
Not documented yet.
Construction Draw Mortgage
Interest on progressive draws while building.
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- Purchase price, down payment, interest rate, term, and amortization period.
- Monthly payment amount, total interest cost, and stress test eligibility.
1. Go to the Mortgage section. 2. Enter property and loan details. 3. View the amortization schedule and stress test results.
Pre-Construction Deposit Schedule
Deposit timeline and cash-flow for pre-con purchases.
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- Gross Development Value (GDV), construction costs, land cost, timelines.
- Developer profit margin, Return on Cost (ROC), deposit schedules.
1. Input estimated GDV and total costs. 2. Review the resulting profit margins and project viability.
Interim Occupancy Fees
Monthly fees between occupancy and final closing.
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- Purchase price, remaining deposits due, estimated property taxes, condo fees, developer interest rate.
- Total monthly phantom rent (interim occupancy fee) payable to the developer before final closing.
1. Enter the pre-construction purchase details. 2. Input the developer's interest rate and estimated taxes/fees. 3. Review the monthly cost during the interim occupancy period.
Assignment Sale Estimator
Profit and costs on assignment of a pre-con contract.
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- Original purchase price, new assignment sale price, deposits paid, builder assignment fees, agent commissions.
- Gross profit, total costs, net profit to the assignor, required cash from the assignee.
1. Input the original contract price and deposits paid. 2. Enter the new negotiated assignment price and associated fees. 3. Review the net profit and cash flow requirements for both parties.
MHRTC (Secondary Suite Credit)
15% multigenerational home renovation tax credit.
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- Eligible renovation costs (up to $50,000) for creating a secondary suite for a senior or disabled relative.
- Calculated 15% refundable tax credit amount (up to $7,500).
1. Enter the total eligible costs for constructing the secondary unit. 2. Review the projected Multigenerational Home Renovation Tax Credit refund.
Laneway / Garden Suite ROI
ADU ROI, cash flow, payback, and value lift.
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- Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
- Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
1. Input expected rental income and expenses. 2. Enter purchase price and financing. 3. Analyze the resulting cash flow and ROI metrics.
Land Severance ROI
Severance and subdivision returns after DC and servicing.
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- Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
- Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
1. Input expected rental income and expenses. 2. Enter purchase price and financing. 3. Analyze the resulting cash flow and ROI metrics.
Developer Profit Margin
GDV, costs, profit margin, and return on cost.
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- Gross Development Value (GDV), construction costs, land cost, timelines.
- Developer profit margin, Return on Cost (ROC), deposit schedules.
1. Input estimated GDV and total costs. 2. Review the resulting profit margins and project viability.
JV Split Calculator
Capital, preferred return, and promote splits.
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- Sale price, commission percentage splits (buying/listing), brokerage fees.
- Gross commission, net commission after splits, tax estimates.
1. Enter property sale price. 2. Input your brokerage split model. 3. Review the net take-home commission.
CMHC MLI Select
Multi-unit points, LTV up to 95%, amort up to 50 years.
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- Number of units, loan amount, selected criteria points (Affordability, Energy Efficiency, Accessibility).
- Eligible MLI Select benefits: Max LTV (up to 95%), max amortization (up to 50 years), reduced CMHC premiums.
1. Input your multi-unit property details. 2. Select the social outcome criteria your project meets to calculate your points. 3. Review the enhanced financing terms unlocked by your score.
CMHC Eco Plus Refund
Premium and 25% Eco Plus refund for efficient homes.
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- Purchase price, down payment, current CMHC premium paid, energy efficiency certification level (e.g., Built Green, ENERGY STAR).
- Calculated 25% partial premium refund amount.
1. Enter your mortgage details and the CMHC premium paid. 2. Confirm your home meets the required energy efficiency standards. 3. Calculate your eligible Eco Plus refund.
Builder Rate Buy-Down
Analyze 3-2-1 or 2-1 builder rate buy-downs and savings.
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- Mortgage Amount, Standard Interest Rate, Amortization, Buy-Down Type (3-2-1 or 2-1).
- Total buy-down savings, yearly payment schedule, and payment shock amount.
1. Enter your expected standard mortgage details. 2. Select the buy-down structure offered by the builder. 3. Review the yearly payment schedule and calculate the payment shock for when the standard rate resumes.
New Home Warranty Fees
Estimate Tarion (ON), BC, or AB warranty enrollment fees.
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- Province
- Purchase Price
- Estimated Warranty Enrollment Fee
- Tax (if applicable)
- Coverage Breakdown
1. Select your province. 2. Enter the purchase price of the new build. 3. View the estimated enrollment fee typically due on closing and the coverage periods.
FHSA vs RRSP HBP Optimizer
Maximize tax refunds and down payment accumulation.
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- Annual Savings, Years to Purchase, Marginal Tax Rate, Annual Return.
- Total Down Payment for FHSA vs HBP, Tax Refunds Generated, Combined Optimal Strategy.
1. Enter your planned annual savings and timeline. 2. Input your marginal tax rate and expected return. 3. Compare the outcomes and see the optimal combined strategy.
Condo Special Assessment
Calculate your share of a condo special assessment.
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- Total Building Assessment, Allocation Method (Unit Factors or Equal), Total Unit Factors, Your Unit Factors, Payment Months.
- Your Total Share, Monthly Payment Plan, Ownership Percentage.
1. Enter the total special assessment for the building. 2. Select the allocation method (proportional by unit factors or equal split) and provide the relevant numbers. 3. Review your personal share of the cost and optional payment plan.
Find Professionals
Searching and connecting with verified Canadian real estate professionals.
Real Estate Agents
Search verified Canadian agents.
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- Location (City/Province), category, specific search query.
- A filtered directory listing of verified professionals.
1. Navigate to the directory. 2. Apply location and specialty filters. 3. Browse profiles to find contact information and reviews.
Agencies & Brokerages
Browse brokerages across Canada.
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- Location (City/Province), category, specific search query.
- A filtered directory listing of verified professionals.
1. Navigate to the directory. 2. Apply location and specialty filters. 3. Browse profiles to find contact information and reviews.
Home Builders
Builders and developers for new homes.
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- Location (City/Province), category, specific search query.
- A filtered directory listing of verified professionals.
1. Navigate to the directory. 2. Apply location and specialty filters. 3. Browse profiles to find contact information and reviews.
Professional Services
Lawyers, inspectors, appraisers, and more.
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- Location (City/Province), category, specific search query.
- A filtered directory listing of verified professionals.
1. Navigate to the directory. 2. Apply location and specialty filters. 3. Browse profiles to find contact information and reviews.
No tools match your search. Try “mortgage”, “tax”, or “rental”.
Works with listings
Open any listing and use Analyze this property to pre-fill price, taxes, and fees into Mortgage, Closing Costs, Rental Cash Flow, and more. You can also pass ?price=, ?tax=, and ?maintenance= on tool URLs.