Home Buying Calculators
Free tools to understand the numbers before you talk to a bank or realtor. No account required.
Mortgage Affordability Calculator
How much home can you afford? Based on the CMHC stress test (GDS/TDS ratios). Includes CMHC insurance calculation.
Closing Costs Estimator
The costs no one tells you about until it's too late. Land transfer tax, legal fees, inspection, and more — itemized.
Land Transfer Tax Calculator
Provincial and municipal (Toronto) land transfer tax with first-time buyer rebates applied automatically.
Disclaimer: All calculators provide estimates for planning purposes only. Actual costs vary based on lender, property, and individual circumstances. Always verify with a licensed mortgage professional and real estate lawyer. Data sourced from CMHC, Ontario Ministry of Finance, and provincial government sources (2025–2026).