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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.

Explore by Audience Role

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.

tax deemed disposition conversion rental primary
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Inputs:
  • Original purchase price, Fair market value at change, Total years owned, Years designated as principal residence, Marginal tax rate, CCA claimed.
Outputs:
  • Total capital gain, PRE amount, Taxable gain before inclusion, Inclusion amount, Estimated income tax due, Section 45 election eligibility.
Usage Guide:

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.

suite mortgage qualify
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Inputs:
  • Income, expected rent, property taxes, heating, debts, rate, amortization.
Outputs:
  • Extra buying power unlocked, side-by-side comparison with and without suite.
Usage Guide:

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.

rent control exemption premium
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Inputs:
  • Starting monthly rent, hold period, market cap rate, controlled rate, exempt rate, and tenant turnover probability.
Outputs:
  • Total extra rental cash flow, property value premium at sale, and final year monthly rent gap.
Usage Guide:

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.

condo fee assessment
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Inputs:
  • Purchase price, down payment, interest rate, amortization, condo fee, and estimated building repair costs.
Outputs:
  • Total monthly cost, Freehold Equivalent buying power, and estimated special assessment per unit.
Usage Guide:

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.

tax holdco corporation investor
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Inputs:
  • Net Rental Income
  • Province
  • Personal Marginal Tax Rate
Outputs:
  • Personal Taxes Paid
  • Corporate Upfront Tax
  • RDTOH Refund
  • Final Integrated Cash
Usage Guide:

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.

mortgage stress test income qualifying
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Inputs:
  • Purchase price, down payment, interest rate, debts.
Outputs:
  • Required qualifying income, GDS/TDS limits, qualifying payment.
Usage Guide:

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.

divorce spousal buyout refinance
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Inputs:
  • Home value, current mortgage balance, joint debts, ex-spouse equity share.
Outputs:
  • Required new mortgage, LTV, CMHC premium, and final payout.
Usage Guide:

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.

co-ownership fractional
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Inputs:
  • Home value, down payment, number of co-buyers, estimated running costs.
Outputs:
  • Per-person down payment, monthly mortgage share, and total shared costs.
Usage Guide:

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.

mortgage
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Inputs:
  • Purchase price, down payment, interest rate, term, and amortization period.
Outputs:
  • Monthly payment amount, total interest cost, and stress test eligibility.
Usage Guide:

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.

affordability gds tds
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Inputs:
  • Gross income, monthly debts, property taxes, heating costs.
Outputs:
  • Maximum allowable purchase price, GDS/TDS ratios.
Usage Guide:

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.

mortgage affordability
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Inputs:
  • Purchase price, down payment, interest rate, term, and amortization period.
Outputs:
  • Monthly payment amount, total interest cost, and stress test eligibility.
Usage Guide:

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.

down payment
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Inputs:
  • Target purchase price.
Outputs:
  • Required minimum down payment (5% up to $500k, 10% on portion up to $1M, 20% over $1M).
Usage Guide:

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.

cmhc insurance
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Inputs:
  • Purchase price, down payment amount or percentage.
Outputs:
  • CMHC premium rate (2.8% to 4.0%), total premium added to mortgage, and PST due on closing.
Usage Guide:

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.

closing ltt
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

tax ltt toronto
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

bc ptt tax
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

quebec tax
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

fthb hbp
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Inputs:
  • Qualifying RRSP/FHSA balances, income, purchase price.
Outputs:
  • Available withdrawal limits under HBP, potential FTHBI shared equity amounts.
Usage Guide:

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.

fhsa
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

fhsa hbp
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Inputs:
  • Qualifying RRSP/FHSA balances, income, purchase price.
Outputs:
  • Available withdrawal limits under HBP, potential FTHBI shared equity amounts.
Usage Guide:

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.

income qualify
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Inputs:
  • Gross income, monthly debts, property taxes, heating costs.
Outputs:
  • Maximum allowable purchase price, GDS/TDS ratios.
Usage Guide:

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.

appraisal
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Inputs:
  • Purchase price, appraisal value, available cash for down payment.
Outputs:
  • Required cash gap to close, adjusted LTV, and revised mortgage amount.
Usage Guide:

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.

timing
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Inputs:
  • Current home price, expected annual appreciation, current savings rate, target purchase timeline.
Outputs:
  • Future home price, required future down payment, and cost/loss of equity by delaying purchase.
Usage Guide:

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.

rent to own
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Inputs:
  • Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
Outputs:
  • Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
Usage Guide:

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.

assumable
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Inputs:
  • Purchase price, down payment, interest rate, term, and amortization period.
Outputs:
  • Monthly payment amount, total interest cost, and stress test eligibility.
Usage Guide:

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.

bridge
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Inputs:
  • Existing home sale price, new home purchase price, current mortgage, bridge loan interest rate, gap in closing days.
Outputs:
  • Total bridge loan amount required, estimated interest cost, and administrative fees.
Usage Guide:

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.

co-ownership
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Inputs:
  • Sale price, commission percentage splits (buying/listing), brokerage fees.
Outputs:
  • Gross commission, net commission after splits, tax estimates.
Usage Guide:

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.

valuation
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Inputs:
  • Specific property details and variables (e.g. price, rates).
Outputs:
  • Calculations or professional listings.
Usage Guide:

1. Open the tool. 2. Provide required parameters. 3. Assess the results output.

HELOC vs Refinance

Compare breaking mortgage vs adding a HELOC.

heloc refinance
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Inputs:
  • Current mortgage balance/rate, funds needed, break penalty, new HELOC and refinance rates.
Outputs:
  • Total interest comparison, blended rate, and recommended option.
Usage Guide:

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.

fixed variable
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Inputs:
  • Mortgage amount, fixed rate, current variable rate, expected BoC rate changes.
Outputs:
  • Total interest paid over term, break-even point between fixed and variable scenarios.
Usage Guide:

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.

frequency
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Inputs:
  • Mortgage amount, interest rate, amortization, selected payment frequency (monthly vs accelerated bi-weekly).
Outputs:
  • Total interest saved, years shaved off amortization.
Usage Guide:

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.

penalty ird
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Inputs:
  • Purchase price, down payment, interest rate, term, and amortization period.
Outputs:
  • Monthly payment amount, total interest cost, and stress test eligibility.
Usage Guide:

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.

refinance
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Inputs:
  • Current mortgage balance, home value, high-interest debt balances (credit cards, loans), penalty to break mortgage.
Outputs:
  • New consolidated mortgage payment, total monthly cash flow savings, adjusted amortization.
Usage Guide:

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.

debt
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Inputs:
  • Current mortgage balance, home value, high-interest debt balances (credit cards, loans), penalty to break mortgage.
Outputs:
  • New consolidated mortgage payment, total monthly cash flow savings, adjusted amortization.
Usage Guide:

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.

renewal
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Inputs:
  • Current mortgage balance, remaining amortization, renewal rate offered, competitor rate.
Outputs:
  • Payment difference, total term interest comparison, cost to switch lenders.
Usage Guide:

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.

port
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Inputs:
  • Current mortgage balance/rate, new home purchase price, additional funds needed, new market rate.
Outputs:
  • Blended interest rate, combined monthly payment, penalty savings by porting.
Usage Guide:

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.

prepay
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Inputs:
  • Mortgage balance, interest rate, amortization, lump sum amount, increased periodic payment.
Outputs:
  • Interest saved over the life of the loan, new shortened amortization period.
Usage Guide:

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.

heloc
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Inputs:
  • Specific property details and variables (e.g. price, rates).
Outputs:
  • Calculations or professional listings.
Usage Guide:

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.

private
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Inputs:
  • Purchase price, down payment, interest rate, term, and amortization period.
Outputs:
  • Monthly payment amount, total interest cost, and stress test eligibility.
Usage Guide:

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.

reverse chip
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Inputs:
  • Purchase price, down payment, interest rate, term, and amortization period.
Outputs:
  • Monthly payment amount, total interest cost, and stress test eligibility.
Usage Guide:

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.

vtb
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Inputs:
  • Purchase price, down payment, interest rate, term, and amortization period.
Outputs:
  • Monthly payment amount, total interest cost, and stress test eligibility.
Usage Guide:

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.

smith
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Inputs:
  • Marginal tax rate, HELOC interest rate, expected investment return, initial investment amount.
Outputs:
  • Tax deductions from interest, net investment growth, projected timeline to convert non-deductible debt to deductible debt.
Usage Guide:

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.

cmhc ppi
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Inputs:
  • Purchase price, estimated renovation costs, appraised \"as-improved\" value.
Outputs:
  • Total mortgage amount, required down payment on the improved value, holdback amount during renovations.
Usage Guide:

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.

rental noi
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Inputs:
  • Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
Outputs:
  • Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
Usage Guide:

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.

brrrr
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Inputs:
  • Purchase price, rehab costs, holding costs, After Repair Value (ARV), refinance LTV, expected rent.
Outputs:
  • Total capital left in the deal, new mortgage amount, cash flow after refinance, cash-on-cash ROI.
Usage Guide:

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.

house hack
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Inputs:
  • Purchase price, down payment, total monthly mortgage/expenses, expected rental income from secondary units/rooms.
Outputs:
  • Net monthly housing cost, portion of mortgage covered by tenants, cash-on-cash return if applicable.
Usage Guide:

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.

str airbnb
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Inputs:
  • Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
Outputs:
  • Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
Usage Guide:

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.

rent sell
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Inputs:
  • Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
Outputs:
  • Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
Usage Guide:

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.

roe equity
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Inputs:
  • Current property value, outstanding mortgage, annual net rental income.
Outputs:
  • Current Return on Equity (ROE), comparison of ROE vs taking equity out to reinvest.
Usage Guide:

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.

buyout
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Inputs:
  • Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
Outputs:
  • Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
Usage Guide:

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.

rent control
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Inputs:
  • Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
Outputs:
  • Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
Usage Guide:

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.

ltb ontario
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Inputs:
  • Current monthly rent, number of units, applicable LTB forms (e.g., N12, N13), cash-for-keys negotiation target.
Outputs:
  • Statutory minimum compensation required, suggested cash-for-keys offer range, total cost to vacate.
Usage Guide:

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.

commercial
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Inputs:
  • Base rent per sq ft, TMI (Taxes, Maintenance, Insurance) per sq ft, total square footage, lease term.
Outputs:
  • Total monthly rent, total annual rent, overall lease value over the term.
Usage Guide:

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.

dscr
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Inputs:
  • Specific property details and variables (e.g. price, rates).
Outputs:
  • Calculations or professional listings.
Usage Guide:

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.

industrial
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Inputs:
  • Purchase price, square footage, clear height, expected lease rate per sq ft, operating expenses.
Outputs:
  • Cap rate, cash-on-cash return, price per square foot, projected NOI.
Usage Guide:

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).

hst rebate
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Inputs:
  • Specific property details and variables (e.g. price, rates).
Outputs:
  • Calculations or professional listings.
Usage Guide:

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.

tax str airbnb
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Inputs:
  • Annual STR revenue, total operating expenses, and marginal tax rate.
Outputs:
  • Extra tax owed, compliant vs non-compliant net income.
Usage Guide:

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.

capital gains
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

flipping
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

pre
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Inputs:
  • Specific property details and variables (e.g. price, rates).
Outputs:
  • Calculations or professional listings.
Usage Guide:

1. Open the tool. 2. Provide required parameters. 3. Assess the results output.

Foreign Buyer / NRST

NRST and foreign buyer taxes (ON, BC, NS).

nrst foreign
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Inputs:
  • Specific property details and variables (e.g. price, rates).
Outputs:
  • Calculations or professional listings.
Usage Guide:

1. Open the tool. 2. Provide required parameters. 3. Assess the results output.

NRST Estimator

Ontario 25%, BC 20%, NS 5% speculation tax.

nrst
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Inputs:
  • Purchase price, property location (province/region), buyer citizenship status.
Outputs:
  • Total Non-Resident Speculation Tax / Foreign Buyer Tax due on closing.
Usage Guide:

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.

non-resident
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

uht vacant
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

property tax
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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).

probate estate
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Inputs:
  • Specific property details and variables (e.g. price, rates).
Outputs:
  • Calculations or professional listings.
Usage Guide:

1. Open the tool. 2. Provide required parameters. 3. Assess the results output.

CCA & Recapture

Capital cost allowance and recapture on sale.

cca
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Inputs:
  • Building purchase price, land value, CCA class rate, years held, sale price.
Outputs:
  • Annual depreciation claimable, Undepreciated Capital Cost (UCC), potential recapture tax upon sale.
Usage Guide:

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.

home office
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Inputs:
  • Total home square footage, office square footage, rent/mortgage interest, utilities, maintenance, property taxes.
Outputs:
  • Eligible percentage of home use, total deductible home office expenses for tax purposes.
Usage Guide:

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.

closing
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Inputs:
  • Closing date, annual property taxes paid/unpaid, condo fees paid, fuel tank fill levels.
Outputs:
  • Prorated credits/debits to the buyer and seller, final adjusted cash needed to close.
Usage Guide:

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.

brokerage
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Inputs:
  • Sale price, commission percentage splits (buying/listing), brokerage fees.
Outputs:
  • Gross commission, net commission after splits, tax estimates.
Usage Guide:

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.

market
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Inputs:
  • None (Data visualization)
Outputs:
  • Current interest rates, Market trends, Economic indicators
Usage Guide:

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.

probate tax estate inheritance
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Inputs:
  • Province
  • Total estate value.
Outputs:
  • Estimated probate fee, effective tax rate, calculation breakdown.
Usage Guide:

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.

rent buy
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Inputs:
  • Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
Outputs:
  • Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
Usage Guide:

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.

variable trigger
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Inputs:
  • Original mortgage amount, original variable rate, current variable rate, fixed payment amount.
Outputs:
  • Estimated trigger rate (where payment only covers interest), new required payment to maintain amortization.
Usage Guide:

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.

valuation
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Inputs:
  • Estimated land value, building square footage, replacement cost per sq ft, estimated depreciation percentage.
Outputs:
  • Total property valuation using the Cost Approach method.
Usage Guide:

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.

commission
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Inputs:
  • Sale price, commission percentage splits (buying/listing), brokerage fees.
Outputs:
  • Gross commission, net commission after splits, tax estimates.
Usage Guide:

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.

tax agent
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

prec
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Inputs:
  • Purchase price, municipality/location, first-time buyer status.
Outputs:
  • Total land transfer tax, municipal tax, CMHC PST, and applicable rebates.
Usage Guide:

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.

leads
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Inputs:
  • Client details, desired location, budget, preferred property type, requested professional service (e.g., agent, lawyer, inspector).
Outputs:
  • Matched professional profiles, estimated budget compatibility, automated introduction emails.
Usage Guide:

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.

documents
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Inputs:
  • Document file (PDF, image), client email, access permissions, expiry date.
Outputs:
  • Secure tracking link, view notification alerts, access logs.
Usage Guide:

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.

roi submetering utilities multi-family
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Inputs:
  • Number of units, cost per unit, monthly utility cost per unit, market cap rate.
Outputs:
  • Total cost, annual expense reduction, cash-on-cash return, payback period, forced appreciation.
Usage Guide:

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.

gst hst flip renovation
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Inputs:
  • Not documented yet
Outputs:
  • Not documented yet
Usage Guide:

Not documented yet.

Construction Draw Mortgage

Interest on progressive draws while building.

construction
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Inputs:
  • Purchase price, down payment, interest rate, term, and amortization period.
Outputs:
  • Monthly payment amount, total interest cost, and stress test eligibility.
Usage Guide:

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.

precon
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Inputs:
  • Gross Development Value (GDV), construction costs, land cost, timelines.
Outputs:
  • Developer profit margin, Return on Cost (ROC), deposit schedules.
Usage Guide:

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.

precon
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Inputs:
  • Purchase price, remaining deposits due, estimated property taxes, condo fees, developer interest rate.
Outputs:
  • Total monthly phantom rent (interim occupancy fee) payable to the developer before final closing.
Usage Guide:

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.

assignment
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Inputs:
  • Original purchase price, new assignment sale price, deposits paid, builder assignment fees, agent commissions.
Outputs:
  • Gross profit, total costs, net profit to the assignor, required cash from the assignee.
Usage Guide:

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.

mhrtc
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Inputs:
  • Eligible renovation costs (up to $50,000) for creating a secondary suite for a senior or disabled relative.
Outputs:
  • Calculated 15% refundable tax credit amount (up to $7,500).
Usage Guide:

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.

adu laneway
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Inputs:
  • Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
Outputs:
  • Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
Usage Guide:

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.

severance
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Inputs:
  • Monthly rent, vacancy rate, property management fees, property taxes, maintenance costs.
Outputs:
  • Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return.
Usage Guide:

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.

developer
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Inputs:
  • Gross Development Value (GDV), construction costs, land cost, timelines.
Outputs:
  • Developer profit margin, Return on Cost (ROC), deposit schedules.
Usage Guide:

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.

jv
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Inputs:
  • Sale price, commission percentage splits (buying/listing), brokerage fees.
Outputs:
  • Gross commission, net commission after splits, tax estimates.
Usage Guide:

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.

mli cmhc
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Inputs:
  • Number of units, loan amount, selected criteria points (Affordability, Energy Efficiency, Accessibility).
Outputs:
  • Eligible MLI Select benefits: Max LTV (up to 95%), max amortization (up to 50 years), reduced CMHC premiums.
Usage Guide:

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.

eco cmhc
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Inputs:
  • Purchase price, down payment, current CMHC premium paid, energy efficiency certification level (e.g., Built Green, ENERGY STAR).
Outputs:
  • Calculated 25% partial premium refund amount.
Usage Guide:

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.

buydown builder mortgage
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Inputs:
  • Mortgage Amount, Standard Interest Rate, Amortization, Buy-Down Type (3-2-1 or 2-1).
Outputs:
  • Total buy-down savings, yearly payment schedule, and payment shock amount.
Usage Guide:

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.

tarion warranty builder precon
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Inputs:
  • Province
  • Purchase Price
Outputs:
  • Estimated Warranty Enrollment Fee
  • Tax (if applicable)
  • Coverage Breakdown
Usage Guide:

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.

fhsa hbp buyer tax
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Inputs:
  • Annual Savings, Years to Purchase, Marginal Tax Rate, Annual Return.
Outputs:
  • Total Down Payment for FHSA vs HBP, Tax Refunds Generated, Combined Optimal Strategy.
Usage Guide:

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.

condo assessment fee
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Inputs:
  • Total Building Assessment, Allocation Method (Unit Factors or Equal), Total Unit Factors, Your Unit Factors, Payment Months.
Outputs:
  • Your Total Share, Monthly Payment Plan, Ownership Percentage.
Usage Guide:

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.

agents
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Inputs:
  • Location (City/Province), category, specific search query.
Outputs:
  • A filtered directory listing of verified professionals.
Usage Guide:

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.

agencies
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Inputs:
  • Location (City/Province), category, specific search query.
Outputs:
  • A filtered directory listing of verified professionals.
Usage Guide:

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.

builders
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Inputs:
  • Location (City/Province), category, specific search query.
Outputs:
  • A filtered directory listing of verified professionals.
Usage Guide:

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.

services
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Inputs:
  • Location (City/Province), category, specific search query.
Outputs:
  • A filtered directory listing of verified professionals.
Usage Guide:

1. Navigate to the directory. 2. Apply location and specialty filters. 3. Browse profiles to find contact information and reviews.

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.