Canadian real estate tools · 100% free
Every calculator you need, built for Canada.
From your first mortgage to multi-family underwriting — all 20 calculators follow Canadian rules, explained in plain English for newcomers.
Which tools do you need?
Select the category that matches your stage. Every calculator includes an explanation of what the result means and why it matters.
Home Buying Calculators
For first-time buyers and mortgage shoppers — CMHC insurance, closing costs, stress test, FHSA, HBP, and programs unique to newcomers.
12 toolsReal Estate Investing Calculators
For rental property and multi-family underwriting — cap rate, DSCR, cash flow, ROI, and CMHC MLI Select financing.
9 toolsSavings & Investing Calculators
TFSA, RRSP, RESP, compound interest, Rule of 72, CAGR, and retirement projection — the math behind every Canadian savings account.
15 toolsBrowse All 36 Calculators
Every calculator is free, follows Canadian rules, and explains results in plain English.
Mortgage Calculator
Monthly payment, total interest, and amortization schedule.
ResidentialAffordability & Stress Test
How much home you can afford under OSFI stress test rules.
Pass the stress test →ResidentialCMHC Insurance
Mortgage insurance premium for down payments under 20%.
CMHC insurance explained →ResidentialLand Transfer Tax
Provincial land transfer tax and first-time buyer rebates.
ResidentialFHSA Calculator
First Home Savings Account growth and tax savings projection.
FHSA guide for newcomers →ResidentialHBP Calculator
RRSP Home Buyers' Plan withdrawal and repayment schedule.
How RRSP room works →ResidentialRent vs. Buy
Compare total cost of renting vs. buying over time.
ResidentialAmortization Schedule
Full payment breakdown showing principal vs. interest over time.
ResidentialClosing Costs
Estimate all fees: legal, inspection, title insurance, and more.
ResidentialMortgage Comparison
Compare two mortgage offers side by side.
ResidentialMortgage Renewal
Estimate new payments when your mortgage term renews.
ResidentialTake-Home Pay
After-tax income for all 13 Canadian provinces & territories.
Residential1% / 2% Rule
Quick screening test for rental income vs. purchase price.
CommercialCap Rate
Capitalization rate from net operating income and property value.
CommercialGRM Calculator
Gross Rent Multiplier — compare properties quickly.
CommercialCash-on-Cash Return
Annual return on the actual cash invested.
CommercialDSCR Calculator
Debt Service Coverage Ratio — will the property cover its debt?
CommercialProperty Value
Estimate value using the income approach (NOI / Cap Rate).
CommercialROI Calculator
Total return on investment including appreciation.
CommercialCash Flow Analyzer
Detailed monthly cash flow from rental income minus all expenses.
CommercialMLI Select
CMHC multi-unit financing with premium reductions for energy/accessibility.
CommercialTFSA Growth
Tax-free compound growth with annual contribution limits.
Savings & InvestingRESP (with CESG)
Education savings with 20% federal grant matching.
Savings & InvestingEmergency Fund
Target amount, gap, and time to reach a 3–6 month buffer.
Savings & InvestingCompound Interest
Lump sum compounding at any frequency over time.
Savings & InvestingInvestment Growth
Lump sum + monthly contributions compounded for any account.
Savings & InvestingRule of 72
Mental-math shortcut for years to double — and the inverse.
Savings & InvestingAnnualized Return / CAGR
Compound annual growth rate from start and end values.
Savings & InvestingAfter-Tax Return
Compare TFSA / RRSP / unregistered outcomes for the same dollars.
Savings & InvestingInflation Impact
Real value of cash, plus real return on invested money.
Savings & InvestingRRSP Growth + Tax Refund
Pre-tax and after-tax balance plus annual + lifetime refunds.
Savings & InvestingRRSP vs TFSA Decision
Definitive answer based on tax-rate differential.
Savings & InvestingRetirement Projection
Project savings, apply 4% safe withdrawal, compare to target income.
Savings & InvestingRequired Savings Rate
Solve for the monthly contribution to hit a target by a target year.
Savings & InvestingNet Worth Snapshot
Assets minus liabilities — the bottom-line scoreboard for personal finance.
Savings & InvestingDebt Payoff (Avalanche/Snowball)
Compare two strategies. Avalanche saves money; snowball gives momentum.
Savings & Investing