Real Estate Calculators
Free tools built for Canadian homebuyers, investors, and landlords — mortgages, taxes, rentals, and renovation ROI. Ontario-focused rules where applicable, plus federal qualification and capital gains guidance.
New to buying? Work through the guided Homebuyer Journey instead of picking tools one by one — or run these calculators straight from Claude and ChatGPT with our free MCP connector.
What Canadian real-estate calculators does HomeCalc offer?
HomeCalc has 32 free calculators across 5 categories: mortgage and buying, tax and closing costs, investing, renting, and landlord tools. Each one uses Canadian rules — CMHC premiums, the OSFI stress test, CRA brackets, and provincial land transfer tax. All are free, need no sign-up, and can be embedded on your own site.
What tools should a first-time home buyer in Canada use to check readiness?
Start with the guided Homebuyer Journey, which walks through the four questions in order: can you pass the stress test (stress test calculator), what payment that produces (mortgage payment calculator), how much down payment and CMHC premium you need (down payment calculator), and what cash you need on closing day beyond the down payment (closing cost calculator). Running all four in order — rather than just one in isolation — is what actually tells you whether you're ready to buy.
Mortgage & Home Buying
Mortgage tools for Canadian buyers and owners — renewal, qualifying, affordability, and closing costs.
Mortgage Renewal Calculator
Compare your old vs new mortgage payment at renewal — payment shock, rate scenarios, and stay vs switch analysis.
Mortgage Penalty Calculator
Estimate three months' interest and both standard and big-bank posted-rate IRD penalties.
HELOC & Second Mortgage Calculator
Calculate how much you can borrow against your home equity. Compare HELOC vs second mortgage payments side by side.
Reverse Mortgage Calculator
For homeowners 55+: HomeEquity Bank's published 55% appraised-value ceiling, semi-annual compounding, and a 5/10/15/20-year loan balance and home equity projection.
Mortgage Qualifier Calculator
How much mortgage will the bank give you? Calculate by income or monthly budget with the Canadian stress test.
Debt Service Ratio Calculator
Check your GDS and TDS debt service ratios against Canada's standard 39%/44% mortgage lending limits.
Debt-to-Income Calculator
Add every credit card, line of credit, car loan, and personal loan to see your total debt-to-income (TDS) ratio.
Mortgage Affordability Calculator
Find out how much home you can afford using Canadian mortgage rules.
Second Home Affordability Calculator
Can you afford a second property? Accounts for your existing mortgage, rental income offsets, and Canadian qualification rules.
Mortgage Stress Test Calculator
See if you qualify under Canada's federal OSFI B-20 mortgage stress test.
Down Payment Calculator
Calculate your minimum down payment under Canada's 2024 rules — includes CMHC premiums and 30-year amortization eligibility.
Closing Cost Calculator
Estimate all closing costs on a home purchase in any Canadian province or territory.
Mortgage Payment Calculator Canada
Monthly payment, CMHC, stress test context, amortization schedule, and payment frequencies.
Land Transfer Tax Calculator
Land transfer tax for every Canadian province and territory, plus Toronto MLTT, with first-time buyer rebates.
Real Estate Commission Calculator
What your realtor's commission actually costs once GST/HST is added — and what you'd net after paying off the mortgage.
Property Tax Calculator
Annual and monthly property tax from your assessed value, using 2026 rates verified against official municipal sources.
Cost of Selling a House Calculator
Realtor commission, legal fees, mortgage discharge, and other selling costs — combined into one net proceeds figure.
Mortgage Prepayment Calculator
See how extra payments or lump sums shorten your mortgage and save interest — with Canadian semi-annual compounding.
Mortgage Amortization Calculator
View your full Canadian mortgage amortization schedule, compare prepayment scenarios, and see principal vs interest breakdown over time.
Investing
Analyze Canadian real estate investments — rental properties and flips.
Cap Rate Calculator
Evaluate rental property investments with NOI and cap rate analysis.
House Flipping Calculator
Analyze flip profitability including Canada's anti-flipping tax.
70% Rule Calculator
Calculate the maximum purchase price for a house flip using the 70% (or 65%) rule with Canadian costs.
House Hacking Calculator
Calculate your true monthly cost after tenant income for owner-occupied rentals.
Property Development Calculator
Free Canadian property development feasibility calculator: total cost, profit margin, ROC, and residual land value — instant results.
Capital Gains Tax Calculator
Estimate Canadian capital gains tax at the flat 50% inclusion rate — real estate, stocks, crypto, and more.
House Flip Tax Calculator
Calculate capital gains or anti-flipping tax on a Canadian property flip — with federal and provincial rates.
Capital Cost Allowance Calculator
Calculate CCA deductions for rental properties, vehicles, equipment — with RIIP, AIIP, and the half-year rule.
Canadian Income Tax Calculator
Estimate federal and provincial income tax, CPP, EI, and take-home pay by province — with RRSP and employment-type options.
Salary After Tax Calculator
See your take-home pay per paycheque — yearly, monthly, or biweekly — after income tax, CPP/QPP, and EI in any province.
Renovation
Estimate renovation costs and expected return on investment for a Canadian home.
Renting vs Owning
Should you rent or buy? Compare long-term costs using province-specific Canadian data.
Landlord Tools
Tools for landlords managing rental properties, covering Ontario, BC, and Quebec rent rules.