Finance Studio
Canadian real estate calculators
Thirteen free calculators built on Canadian rules — CMHC premiums, the mortgage stress test, provincial and Toronto land transfer tax, and the numbers investors actually underwrite on. No sign-up required.
For buyers
Budget, qualify, and understand the true cost of getting into a home.
Payment, amortization, and total interest for any price, rate, and term.
How much home you qualify for using GDS/TDS ratios and the stress test.
Provincial and municipal land transfer tax with first-time buyer rebates.
Total cash needed on closing day, line by line.
Net worth comparison over time, with the break-even year.
Down payment, FHSA and HBP funds, rebates, and the cash you still need.
For sellers
Know what a sale actually puts in your client's pocket.
What a seller actually walks away with after commission and payout.
Investors & landlords
Cash flow, cap rate, and return on every rental scenario.
Cash-on-cash, equity build-up, appreciation, and total return.
Monthly cash flow, NOI, DSCR, and break-even rent.
Capitalization rate and implied value from net operating income.
Financing & planning
Renewals, refinancing, deposits, and savings runways.
Everything it costs to hold a property each month.
Deposit amounts and due dates across the build timeline.
Compare your current mortgage against a new rate, with break-even.
How long until the down payment goal is funded.