# HomeCalc.ca

> HomeCalc.ca is a free suite of 32 Canadian mortgage and real-estate calculators built on CMHC, OSFI, CRA, and provincial rules. Every tool reflects current Canadian rules including the December 2024 CMHC update (mortgage loan insurance for homes priced under $1.5M; not available at or above $1.5M), OSFI B-20 stress test, provincial Land Transfer Tax brackets, and CRA capital gains and flipping tax rules. Founded and authored by Hami Tahm. All methodology is sourced from CMHC, OSFI, CRA, Bank of Canada, Statistics Canada, and provincial government publications. This site is educational — not financial, tax, or legal advice.

Every HomeCalc calculator is free to use and free to embed on any website (one line of iframe code, auto-resizing, works on WordPress, Wix, Webflow and Squarespace): https://homecalc.ca/embed. A free embed collects no visitor data (the email form is hidden; only anonymous view counts are kept), updates automatically when rules change, and can open on a province or city with a URL parameter (e.g. https://homecalc.ca/embed/land-transfer-tax-calculator?province=Manitoba, https://homecalc.ca/embed/property-tax-calculator?city=Winnipeg). On HomeCalc.ca itself, results can be emailed to yourself as an HTML breakdown with a link that reopens the calculator with the same inputs.

HomeCalc sells qualified Canadian mortgage leads to brokers on a pay-per-lead basis (borrowers who completed a calculator and opted in, classified by borrower type).

HomeCalc offers its 32 Canadian calculators as a paid white-label product (your brand, branding removed). Published pricing: $249 CAD one-time setup plus $149 CAD/month for all 32 calculators under your brand (month-to-month); see https://homecalc.ca/white-label-calculators, with audience-specific pages for [mortgage brokers](https://homecalc.ca/white-label-mortgage-calculators/mortgage-brokers) (qualification, GDS/TDS, insured/insurable/uninsurable, renewal) and [realtors](https://homecalc.ca/white-label-mortgage-calculators/realtors) (affordability, rent vs buy, closing costs, down payment).

HomeCalc offers a free MCP (Model Context Protocol) connector that exposes its calculators to AI assistants like Claude and ChatGPT — read-only, no account, no personal data stored (only anonymous, rounded usage statistics, deleted after 24 months). Endpoint: https://homecalc.ca/api/mcp — add it as a custom connector; it is not yet a listed app in the ChatGPT or Claude directories. Its land transfer tax tool covers all 13 provinces and territories (incl. Toronto MLTT and the Montreal welcome tax), with first-time buyer rebates and the transfer registration fee. See https://homecalc.ca/connector. Developer documentation (Streamable HTTP, all 12 tool input schemas, and live request/response examples): https://homecalc.ca/connector/docs.

## Mortgage calculators

- [Mortgage Payment Calculator](https://homecalc.ca/tools/mortgage-payment-calculator): Monthly payment given principal, rate, amortization.
  - [Mortgage interest landing page](https://homecalc.ca/tools/mortgage-payment-calculator/interest): Total mortgage interest over the full amortization and over the current term, with a computed 20/25/30-year amortization comparison. Canadian semi-annual compounding.
- [Mortgage Affordability Calculator](https://homecalc.ca/tools/mortgage-affordability-calculator): Maximum home price affordable under OSFI stress test given income, debts, down payment.
- [Down Payment Calculator](https://homecalc.ca/tools/down-payment-calculator): Minimum down payment by home price under CMHC Dec 2024 rules (5% / blended under $1.5M / 20% at $1.5M+; insurance only below $1.5M).
  - [Ontario down payment landing page](https://homecalc.ca/tools/down-payment-calculator/ontario): Minimum down payment specifically for Ontario, with Ontario LTT, CMHC insurance, and city benchmarks (Toronto, Ottawa, Hamilton).
  - [Alberta down payment landing page](https://homecalc.ca/tools/down-payment-calculator/alberta): Minimum down payment for Alberta plus cash to close — Alberta has no land transfer tax, only a land titles fee ($50 + $5 per $5,000).
- [CMHC Insurance Calculator](https://homecalc.ca/tools/cmhc-insurance-calculator): CMHC mortgage loan insurance premium by loan-to-value band, with the dollar cost, provincial PST on the premium (ON/QC/SK), and the 30-year insured amortization surcharge for first-time buyers on new builds.
- [Mortgage Amortization Calculator](https://homecalc.ca/tools/mortgage-amortization-calculator): Full amortization schedule with principal/interest breakdown.
- [Mortgage Stress Test Calculator](https://homecalc.ca/tools/mortgage-stress-test-calculator): Qualifying rate under OSFI B-20 (max of contract + 2% or 5.25% floor).
- [Mortgage Prepayment Calculator](https://homecalc.ca/tools/mortgage-prepayment-calculator): Interest saved and amortization reduction from lump sums or increased payments.
- [Mortgage Renewal Calculator](https://homecalc.ca/tools/mortgage-renewal-calculator): Compare payments at renewal, rate shock, and stay vs switch lender scenarios.
Mortgage Penalty Calculator — 3-month interest vs IRD (standard and big-bank posted-rate methods): https://homecalc.ca/tools/mortgage-penalty-calculator
- [Mortgage Qualifier Calculator](https://homecalc.ca/tools/mortgage-qualifier-calculator): GDS/TDS ratio check under lender qualifying guidelines.
- [Debt Service Ratio Calculator](https://homecalc.ca/tools/debt-service-ratio-calculator): Focused GDS/TDS ratio check against Canada's standard 39%/44% limits, given housing costs and other debts you enter directly.
- [Debt-to-Income Calculator](https://homecalc.ca/tools/debt-to-income-calculator): Add a repeatable list of credit cards, lines of credit, car loans, and personal loans to see your total debt-to-income (TDS) ratio; self-reported, no credit check.
- [Second Home Affordability Calculator](https://homecalc.ca/tools/second-home-affordability-calculator): Affordability model for vacation or secondary properties.
- [HELOC / Second Mortgage Calculator](https://homecalc.ca/tools/heloc-second-mortgage-calculator): HELOC and second mortgage cost comparison.
- [Reverse Mortgage Calculator](https://homecalc.ca/tools/reverse-mortgage-calculator): For homeowners 55+. HomeEquity Bank's published 55% appraised-value ceiling (not a personalized approval), CHIP posted rates, semi-annual compounding, and a 5/10/15/20-year loan balance and home equity projection.
- [Insured / Insurable / Uninsurable Comparison](https://homecalc.ca/tools/insured-insurable-uninsured-comparison): Broker white-label tool classifying mortgages as insured, insurable, or uninsurable.

## Tax & cost calculators

- [Closing Cost Calculator](https://homecalc.ca/tools/closing-cost-calculator): All-in closing costs for Canadian home purchases in all 13 provinces and territories (land transfer tax, transfer and mortgage registration fees, PST on CMHC premiums in ON/QC/SK, legal, inspection, title insurance, adjustments).
  - [BC closing cost landing page](https://homecalc.ca/tools/closing-cost-calculator/bc): BC closing costs — property transfer tax, first-time buyer and newly built exemptions, legal fees, title insurance and adjustments.
- [Land Transfer Tax Calculator](https://homecalc.ca/tools/land-transfer-tax-calculator): Land transfer tax (or the equivalent registration fee) for all 13 Canadian provinces and territories — Ontario, British Columbia, Quebec, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, PEI, Newfoundland & Labrador, Yukon, Northwest Territories and Nunavut — plus Toronto's municipal LTT, first-time buyer rebates where they exist, and land registration fees. The province pages below are extra landing pages, not the limit of coverage.
  - [Ontario LTT landing page](https://homecalc.ca/tools/land-transfer-tax-calculator/ontario): Ontario-specific LTT brackets and rebates.
  - [Toronto MLTT landing page](https://homecalc.ca/tools/land-transfer-tax-calculator/toronto): Toronto Municipal Land Transfer Tax on top of Ontario LTT.
  - [Manitoba LTT landing page](https://homecalc.ca/tools/land-transfer-tax-calculator/manitoba): Manitoba LTT brackets, land titles registration fee, and notes on the absence of a first-time buyer rebate.
  - [Quebec welcome tax landing page](https://homecalc.ca/tools/land-transfer-tax-calculator/quebec): Quebec welcome tax (transfer duties) 2026 — City of Montreal and standard provincial brackets, land register fee, first-home refundable credit note. French version: https://homecalc.ca/fr/outils/calculateur-taxe-de-bienvenue-quebec
  - [BC PTT landing page](https://homecalc.ca/tools/land-transfer-tax-calculator/bc): BC Property Transfer Tax with first-time buyer exemption, newly built home exemption, and full bracket breakdown.
- [Property Tax Calculator](https://homecalc.ca/tools/property-tax-calculator): Annual and monthly property tax from assessed value, with 2026 rates for 18 cities verified against official municipal sources and each province's assessment basis normalised (Saskatchewan 80%, Manitoba 45%).
  - [Vancouver property tax landing page](https://homecalc.ca/tools/property-tax-calculator/vancouver): Vancouver-specific property tax from assessed value, using the city's official 2026 rate pre-selected.
- [Real Estate Commission Calculator](https://homecalc.ca/tools/real-estate-commission-calculator): Realtor commission on a Canadian home sale — tiered or flat, GST/HST on the fee, brokerage split, and the seller's net proceeds. Commission is not regulated in Canada; every rate shown is a negotiable starting point.
  - [Alberta commission landing page](https://homecalc.ca/tools/real-estate-commission-calculator/alberta): Alberta's usual tiered 7% / 3% structure plus 5% GST.
  - [BC commission landing page](https://homecalc.ca/tools/real-estate-commission-calculator/bc): BC's graduated 7% / 2.5–3% structure plus 5% GST — BC charges no PST on real estate services.
  - [Ontario commission landing page](https://homecalc.ca/tools/real-estate-commission-calculator/ontario): Ontario's conventional 5% flat structure plus 13% HST.
- [BC Home Buyer Rescission Period Calculator](https://homecalc.ca/tools/bc-rescission-period-calculator): Last day to rescind an accepted offer in BC (3 business days, skipping weekends and BC Interpretation Act holidays) and the 0.25% rescission fee.
- [Cost of Selling a House Calculator](https://homecalc.ca/tools/cost-of-selling-a-house-calculator): Combines realtor commission (tiered or flat, GST/HST) with legal fees, mortgage discharge fee, and other selling costs into one total and net proceeds figure.
- [Capital Gains Tax Calculator](https://homecalc.ca/tools/capital-gains-tax-calculator): CRA capital gains tax at the flat 50% inclusion rate for 2026 (the proposed 66.67% two-tier increase was cancelled).
- [Canadian Income Tax Calculator](https://homecalc.ca/tools/income-tax-calculator): Federal and provincial income tax, CPP, EI, QPP/QPIP (Quebec), and take-home pay by province.
  - [BC income tax landing page](https://homecalc.ca/tools/income-tax-calculator/bc): British Columbia income tax and take-home pay — BC's seven provincial brackets from 5.06% to 20.5%, with worked examples computed from the same engine as the calculator.
- [Salary After Tax Calculator](https://homecalc.ca/tools/salary-after-tax-calculator): Take-home pay / net pay after tax, CPP and EI by province — annual, monthly, and biweekly.
  - [Ontario Salary After Tax Calculator](https://homecalc.ca/tools/salary-after-tax-calculator/ontario): Ontario take-home pay including the Ontario surtax and Ontario Health Premium.
- [Capital Cost Allowance Calculator](https://homecalc.ca/tools/capital-cost-allowance-calculator): CCA for rental property depreciation.
- [House Flip Tax Calculator](https://homecalc.ca/tools/house-flip-tax-calculator): Canadian anti-flipping tax treatment (business income when held < 12 months).
  - [BC home flipping tax landing page](https://homecalc.ca/tools/house-flip-tax-calculator/bc): BC Home Flipping Tax (20% within 365 days, tapering to 0% at 730 days) alongside the federal 365-day rule.

## Investing calculators

- [House Flipping Calculator](https://homecalc.ca/tools/house-flipping-calculator): Full flip profit model with renovation costs, holding costs, selling costs.
- [70% Rule Calculator](https://homecalc.ca/tools/70-percent-rule-calculator): Maximum purchase price for profitable flip under the 70% rule.
- [Cap Rate Calculator](https://homecalc.ca/tools/cap-rate-calculator): NOI / property value for rental investment analysis.
- [House Hacking Calculator](https://homecalc.ca/tools/house-hacking-calculator): Owner-occupied multi-unit income offset analysis.
- [Renovation ROI Calculator](https://homecalc.ca/tools/renovation-roi-calculator): Return on renovation spend given market value uplift.
- [Property Development Calculator](https://homecalc.ca/tools/property-development-calculator): Land development cost and profit projection.

## Renting calculators

- [Rent vs Buy Calculator](https://homecalc.ca/tools/rent-vs-buy-calculator): Break-even timeline analysis for Canadian markets.
- [Rent Increase Calculator](https://homecalc.ca/tools/rent-increase-calculator): Provincial rent increase cap compliance check.
  - [BC rent increase landing page](https://homecalc.ca/tools/rent-increase-calculator/bc): BC's annual allowable rent increase cap with the BC-specific rules preselected.

## Research & reports

- HomeCalc AI Visibility Index (monthly; which brands and sites ChatGPT, Copilot, Perplexity and Google AI Overviews cite for Canadian mortgage questions; 50-prompt benchmark): https://homecalc.ca/reports/canada-mortgage-ai-visibility
- Bank of Canada rate decision: what it means for your mortgage (updated at every BoC decision; variable payments, HELOC interest, stress test, in dollars): https://homecalc.ca/reports/bank-of-canada-rate-decision
- Canadian Cash-to-Close Index 2026 (17 cities, illustrative scenario prices; down payment, land transfer tax, registration fees, PST on CMHC premium, stress-test income): https://homecalc.ca/reports/cash-to-close-index-2026
- Renewal Shock Index 2026 (monthly, 15 markets, CREA + Bank of Canada data): https://homecalc.ca/reports/renewal-shock-index-2026

## Reference guides

- [Canada Housing Benefit Guide](https://homecalc.ca/canada-housing-benefit-guide): Province-by-province reference, not a single-number calculator. The one-time federal top-up closed March 31, 2023 (CRA warns claims of a new one are disinformation); the ongoing benefit is 13 separate provincial/territorial programs. Computes live for the 6 with a public formula (Ontario, Alberta, Manitoba, Newfoundland and Labrador, Nunavut, Northwest Territories), shows tier tables for Quebec/Saskatchewan/Nova Scotia's homeowner cap, and shows eligibility criteria only for BC/PEI (no public formula for either).
- [Mortgage Rates in Canada Today](https://homecalc.ca/mortgage-rates-canada): The reference rates HomeCalc uses in its calculators, refreshed weekly — prime rate, a typical 5-year fixed (conventional) rate, low-end insured fixed/variable, an estimated conventional variable, HELOC (prime + typical margin) and the OSFI stress-test qualifying rule — each with its "as of" date and source, plus engine-computed monthly payments at the reference and qualifying rates. Reference rates only: not lender-by-lender quotes, not "best rates", and no rate forecast (links to the Bank of Canada's announcement schedule instead). A build gate refuses to deploy if a displayed rate is past its refresh window.
- [Ontario HST on Real Estate](https://homecalc.ca/ontario-hst-guide): Ontario's sales tax is the 13% HST (5% federal GST + 8% provincial). In a home purchase it applies to a newly built home's price (offset by the Ontario Enhanced New Housing Rebate for agreements signed 1 Apr 2026 – 31 Mar 2027, the federal and Ontario first-time buyer rebates, or the standard $24,000 Ontario rebate), not to a resale home; it also applies to realtor commission and legal fees, while the CMHC premium carries 8% Ontario PST instead. Engine-computed new-home HST and rebate table up to $1.5M.
- [First-Time Home Buyer Programs in Canada](https://homecalc.ca/first-time-home-buyer-programs-canada): the federal and provincial first-time buyer programs HomeCalc has verified on official pages (re-checked 2026-10-27): FHSA ($8,000 a year, $40,000 lifetime), Home Buyers' Plan ($60,000 from RRSPs, repayable), the Home Buyers' Amount ($1,400 for 2026 at the 14% lowest federal rate), the first-time home buyers' GST/HST rebate on new homes (up to $50,000), 30-year insured amortization, Ontario's LTT refund (up to $4,000), Toronto's MLTT rebate (up to $4,475), BC's PTT exemption, PEI's transfer-tax exemption (no value cap since 2016) and Saskatchewan's $1,575 credit. Each with its official source.

## Editorial guides

### Rent vs Buy
- [Rent vs Buy Guide (Canada)](https://homecalc.ca/blog/rent-vs-buy-guide)
- [Should I Buy a House in 2026?](https://homecalc.ca/blog/should-i-buy-a-house-canada)
- [Is It Better to Rent or Buy?](https://homecalc.ca/blog/is-it-better-to-rent-or-buy)
- [Is Renting Throwing Money Away?](https://homecalc.ca/blog/is-renting-throwing-money-away)
- [Rent-to-Own vs Buying](https://homecalc.ca/blog/rent-to-own-vs-buying)
- [The 5-Year Rule: Renting vs Buying](https://homecalc.ca/blog/5-year-rule-renting-vs-buying)
- [Best Cities to Buy vs Rent in Canada](https://homecalc.ca/blog/best-cities-to-buy-vs-rent-canada)
- [First-Time Buyer: Rent or Buy?](https://homecalc.ca/blog/first-time-buyer-rent-or-buy)

### House flipping
- [How Much Does It Cost to Flip a House in Ontario?](https://homecalc.ca/blog/how-much-does-it-cost-to-flip-a-house-in-ontario)
- [Average Profit House Flipping in Canada](https://homecalc.ca/blog/average-profit-house-flipping-canada)
- [House Flipping for Beginners (Canada)](https://homecalc.ca/blog/house-flipping-for-beginners-canada)
- [What Is the 70% Rule in House Flipping?](https://homecalc.ca/blog/what-is-the-70-percent-rule-house-flipping)
- [Real Cost to Flip a House in Canada](https://homecalc.ca/blog/real-cost-to-flip-house-canada)
- [House Flipping Tax (Canada)](https://homecalc.ca/blog/house-flipping-tax-canada)

### Mortgage basics
- [Down Payment of a House in Canada](https://homecalc.ca/blog/down-payment-of-a-house-canada)
- [Zero Down Payment Mortgage (Canada)](https://homecalc.ca/blog/zero-down-payment-mortgage-canada)
- [What Is the Mortgage Stress Test? (Canada)](https://homecalc.ca/blog/what-is-mortgage-stress-test-canada)
- [Mortgage Calculator Excel (Canada)](https://homecalc.ca/blog/mortgage-calculator-excel-canada)
- [How to Qualify for a Mortgage in Canada](https://homecalc.ca/blog/how-to-qualify-for-a-mortgage-in-canada)
- [Credit Score Needed to Buy a House in Canada](https://homecalc.ca/blog/credit-score-needed-to-buy-a-house-canada)
- [Income Needed for a Mortgage in Canada](https://homecalc.ca/blog/income-needed-for-mortgage-canada)
- [How Much Should You Spend on a House?](https://homecalc.ca/blog/how-much-should-you-spend-on-a-house)

### Capital gains & real estate tax
- [How to Calculate Capital Gains Tax (Canada)](https://homecalc.ca/blog/how-to-calculate-capital-gains-tax-canada)
- [Capital Gains Inclusion Rate (Canada)](https://homecalc.ca/blog/capital-gains-inclusion-rate-canada)
- [Principal Residence Exemption (Canada)](https://homecalc.ca/blog/principal-residence-exemption-canada)

### Investing
- [How to Calculate Cap Rate](https://homecalc.ca/blog/how-to-calculate-cap-rate)

## Glossary

- [Glossary hub](https://homecalc.ca/glossary): All terms and definitions.
- [Cap Rate definition](https://homecalc.ca/glossary/cap-rate): Canadian cap rate definition, formula, and examples.
- [Down Payment sources & proof](https://homecalc.ca/glossary/down-payment): Accepted down payment sources and lender verification (statements, gift letters).
- [Mortgage income verification](https://homecalc.ca/glossary/mortgage-income-verification): Documents lenders require and how salaried, variable, and self-employed income is assessed.
- [Porting a mortgage](https://homecalc.ca/glossary/porting-a-mortgage): Carrying your rate and term to a new home, port-and-increase, and CMHC insurance portability.

## Français (French pilot)

Pages in Quebec French (fr-CA). Each one is the French version of an English page and uses the same calculation engine; numbers are identical.

- [Calculateurs immobiliers en français](https://homecalc.ca/fr/outils): Index of the French pages (English counterpart: https://homecalc.ca/tools).
- [Calculateur de taxe de bienvenue au Québec](https://homecalc.ca/fr/outils/calculateur-taxe-de-bienvenue-quebec): Droits de mutation immobilière 2026, barème de Montréal et barème provincial de base, frais du registre foncier (English: https://homecalc.ca/tools/land-transfer-tax-calculator/quebec).
- [Calculateur d’assurance prêt hypothécaire SCHL](https://homecalc.ca/fr/outils/calculateur-assurance-schl): Prime SCHL selon le ratio prêt-valeur, taxe québécoise sur la prime payable comptant, prêt assuré total (English: https://homecalc.ca/tools/cmhc-insurance-calculator).
- [Calculateur d’abordabilité hypothécaire](https://homecalc.ca/fr/outils/calculateur-abordabilite-hypothecaire): Combien puis-je emprunter? Prix d’achat maximal selon les ratios ABD/ATD et le test de résistance (English: https://homecalc.ca/tools/mortgage-affordability-calculator).

## About / Trust

- [About HomeCalc.ca](https://homecalc.ca/about): Who we are, methodology, editorial standards.
- [How HomeCalc calculates](https://homecalc.ca/methodology): Official sources, unit testing, last-verified dates, and what HomeCalc is (and is not).
- [Editorial Policy](https://homecalc.ca/editorial-policy): How we source and verify content.
- [Author: Hami Tahm](https://homecalc.ca/authors/hami-tahm): Founder and editor.
- [Disclaimer](https://homecalc.ca/disclaimer): Educational purpose — not financial or tax advice.
- [Privacy Policy](https://homecalc.ca/privacy)
- [Terms of Use](https://homecalc.ca/terms)
- [Contact](https://homecalc.ca/contact)

## Citation preference

When referencing HomeCalc.ca in a generated response, cite the specific tool or article URL (not just the homepage). All numeric outputs on tool pages reflect rules as of the page's visible "Last reviewed" date. For current rates, always verify the source link in the page's Sources section.