Real Estate Calculators
Powerful Ontario-specific tools to make informed real estate decisions
All calculators use Canadian mortgage rules, Ontario tax laws, and current rates
Mortgage Calculator
Calculate monthly mortgage payments, total interest costs, and amortization schedules with Canadian stress testing.
- ✓Payment frequency options (monthly, bi-weekly, weekly)
- ✓CMHC insurance calculations
- ✓Stress test rates
- ✓Amortization schedules
Affordability Calculator
Determine your maximum home purchase price based on income, debts, and Canadian lending rules (GDS/TDS).
- ✓GDS and TDS ratio calculations
- ✓Maximum purchase price
- ✓Property tax estimates
- ✓Condo fees and heating costs
Land Transfer Tax Calculator
Calculate Ontario land transfer tax with first-time home buyer rebates and Toronto municipal rates.
- ✓Ontario provincial LTT
- ✓Toronto municipal LTT
- ✓First-time buyer rebates
- ✓Tax breakdown by bracket
CMHC Insurance Calculator
Calculate mortgage insurance premiums based on down payment percentage. Understand insurance costs.
- ✓Insurance rates by down payment
- ✓Mortgage impact calculations
- ✓Maximum insurable property
- ✓Payment scenarios
Rent vs Buy Calculator
Compare the costs and benefits of renting versus buying over your desired time horizon.
- ✓Long-term cost analysis
- ✓Property appreciation
- ✓Break-even calculations
- ✓Yearly comparison data
Closing Costs Calculator
Estimate your total closing costs for your Ontario real estate purchase including taxes, fees, and insurance.
- ✓Land transfer tax estimates
- ✓Legal and title fees
- ✓Home inspection costs
- ✓First-time buyer considerations
Commute Score Calculator
Analyze your daily commute and discover the best mode of transportation. Compare costs and time savings.
- ✓Multiple transportation modes
- ✓Time and cost comparisons
- ✓Commute scoring system
- ✓Annual savings analysis
Down Payment Calculator
Calculate how much you need for a down payment and track your savings timeline with projections.
- ✓Savings timeline projections
- ✓CMHC insurance scenarios
- ✓5-year savings forecasts
- ✓Monthly contribution planning
Home Equity Calculator
Calculate your home equity and explore HELOC borrowing options for renovations or other needs.
- ✓Equity calculations
- ✓HELOC borrowing options
- ✓Interest cost analysis
- ✓Payment scenarios
Investment Property Calculator
Analyze the financial performance of investment properties with rental income and expense projections.
- ✓Cash flow analysis
- ✓ROI calculations
- ✓Expense tracking
- ✓Cap rate and net income
Refinance Calculator
Determine if refinancing makes financial sense by calculating costs, savings, and break-even timelines.
- ✓Break-even analysis
- ✓Interest rate comparisons
- ✓Prepayment penalty calculations
- ✓Savings projections
About These Calculators
Ontario-Specific
All calculators incorporate Ontario real estate laws, provincial taxes, Toronto municipal rates, and current Canadian mortgage regulations.
Canadian Standards
Calculations follow CMHC requirements, stress testing rules, GDS/TDS ratios, and Canadian lending standards.
Accurate Results
All financial calculations are based on current rates and rules. Always consult with professionals for final decisions.
Easy to Use
Simple forms with clear inputs and comprehensive results displayed in easy-to-understand formats.
Ready to Start Planning?
Use our calculators to understand your real estate options and make confident decisions about buying, selling, or renting in Ontario.
Get Started with Mortgage Calculator→