Canadian Real Estate Tools
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.
100% Free — No Account Required
Choose Your Path
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 & Mortgages
11 free calculators for first-time buyers and mortgage shoppers — including CMHC insurance, closing costs, stress test, and programs unique to newcomers.
11 tools Open Residential Tools →Investment Property Analysis
9 free calculators for multi-family underwriting and returns — cap rate, DSCR, cash flow analysis, and CMHC MLI Select financing.
9 tools Open Commercial Tools →All Tools
Browse All 20 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.
ResidentialCMHC Insurance
Mortgage insurance premium for down payments under 20%.
ResidentialLand Transfer Tax
Provincial land transfer tax and first-time buyer rebates.
ResidentialFHSA Calculator
First Home Savings Account growth and tax savings projection.
ResidentialHBP Calculator
RRSP Home Buyers' Plan withdrawal and repayment schedule.
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.
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.
Commercial100% Free
Every calculator is free — no sign-up required
All 20 residential and commercial calculators follow Canadian rules, explained in plain English for newcomers. No account needed — completely free.
Residential Tools → Commercial Tools →