Tools
Free calculators to plan your next move — buying, financing, renting, or investing in Canada.
Mortgage Payment Calculator
Estimate monthly payments by rate, term & down payment.
Land Transfer Tax Calculator
Provincial + municipal land transfer tax owed at closing.
Affordability Calculator
See the home price your income comfortably supports.
CMHC Insurance Calculator
Premium on a high-ratio (under 20% down) mortgage.
Closing Costs Estimator
Budget the one-time costs to finalize your purchase.
Mortgage Stress Test
Check if you qualify at the federal qualifying rate.
Cap Rate Calculator
NOI ÷ price. Compare rental properties at a glance.
Rent Affordability Calculator
See the monthly rent your income comfortably supports.
Net Sale Proceeds
How much cash you actually walk away with after selling.
Bi-Weekly vs Monthly Payments
Compare frequencies and see how much interest each saves.
Rent vs Buy Calculator
See whether renting or buying wins over your time horizon.
Lump-Sum Prepayment
Interest and years saved from a one-time mortgage prepayment.
Home Equity Calculator
Your equity, plus HELOC and refinance borrowing room.
Annual Cost of Ownership
True monthly cost: mortgage + tax + insurance + upkeep.
Realtor Commission
What you pay your agents at closing, including HST/GST.
Minimum Down Payment
Required down payment under the new 5/10/20% federal rules.
Down Payment Savings Timeline
How long it takes to save your target down payment.
Refinance Break-Even
Months for refinance savings to repay penalty and costs.
Mortgage Penalty Estimator
IRD or 3-month interest — what breaking your mortgage costs.
Mortgage Renewal Comparison
Stay with your lender vs switch — net term savings.
HELOC Payment Calculator
Interest-only vs amortizing payments on your HELOC.
Bridge Financing Calculator
Cost of a short-term bridge loan between closings.
Capital Gains Tax Calculator
Tax owed when selling a non-principal residence.
Rental Property Cash Flow
Full P&L for a rental — does it pay you each month?
Cash-on-Cash Return
Annual cash flow ÷ cash invested. Compare leveraged deals.
Gross Rent Multiplier
Price ÷ annual rent. Quick screen for rental viability.
BRRRR Deal Analyzer
Refi proceeds, cash recovered, cash left in a flip-to-hold.
1% / 2% Rule Quick Check
Does monthly rent equal 1% (or 2%) of the purchase price?
Pre-Construction Assignment
Profit on assigning a pre-con condo before close.
Roommate Rent Split
Split rent equally, by room size, or by income.
Rent Increase by Province
Maximum legal annual rent increase in your province.
Property Tax Estimator
Annual property tax for major Canadian cities.
Vacant Home Tax
Toronto, Vancouver, Ottawa, federal UHT, BC speculation.
Renovation ROI Calculator
Resale value added by typical Canadian renovations.
FHSA Contribution Planner
Project your First Home Savings Account balance + refunds.
Non-Resident Speculation Tax
NRST for non-Canadians buying in ON or BC.
GST/HST New Housing Rebate
Federal + Ontario rebates on tax for new-build homes.
Price-per-Sqft Comparator
Compare 5 listings side-by-side on $/sqft.
City vs City Affordability
Compare two cities on price-to-income ratio.
The information presented on HousingPortal.ca is intended for general illustrative purposes only. While the information is believed to be reliable, it cannot be guaranteed for accuracy, completeness, or currency. Neither HousingPortal.ca and its employees, nor any other party identified in this guide/report, assumes any liability for the information provided. The views and opinions expressed by the analysts at HousingPortal.ca are their own and should not be considered as investment advice. It is recommended that you seek the advice of a licensed real estate professional before making any decisions regarding real estate investments.