Free Canadian real estate calculators, reports, and utility tools
Browse a deep library of mortgage, buyer, seller, investor, landlord, condo, new construction, relocation, and Realtor tools. Every live calculator includes scenarios, warnings, formulas, and report actions.
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buyers
Calgary Home Buying Cost Calculator
Estimate Calgary buyer cash-to-close and monthly ownership costs in one planning view.
buyers
Edmonton Home Buying Cost Calculator
Estimate Edmonton buyer cash-to-close and monthly ownership costs in one planning view.
tax
Toronto Land Transfer Tax Calculator
Estimate Ontario and Toronto municipal land transfer tax for a Toronto purchase using source-backed MVP rules.
tax
Vancouver Property Transfer Tax Calculator
Estimate BC property transfer tax for a Vancouver purchase using source-backed MVP rules.
tax
City Property Tax Monthly Cost Calculator
Estimate monthly property tax impact from a user-entered annual tax amount or effective tax rate without pretending to know every municipal mill rate.
Canadian Mortgage Payment Calculator
Estimate payments, mortgage insurance, stress-test rate, and monthly carrying cost using Canadian assumptions.
Home Affordability Calculator
Estimate conservative, moderate, and stretch purchase scenarios using income, debts, down payment, and stress-tested payments.
Closing Cost Calculator by Province
Estimate cash needed to close, including transfer tax or land title fees, legal fees, title insurance, inspection, appraisal, and adjustments.
Land Transfer / Property Transfer Tax Calculator
Calculate province-aware transfer tax or land title registration estimates for Ontario, Toronto, British Columbia, and Alberta.
Seller Net Sheet Calculator
Estimate what a seller may walk away with after mortgage payout, commission, tax, legal fees, prep, moving, and adjustments.
Rental Property Cash Flow Calculator
Analyze rent, financing, expenses, vacancy, NOI, cash flow, cap rate, cash-on-cash return, DSCR, and deal score.
Mortgage Stress Test Calculator
Estimate the qualifying rate and payment gap between contract rate and stress-tested rate.
Rent vs Buy Calculator
Compare buying against renting and investing with upfront cash, closing costs, net sale equity, selling costs, rent growth, ownership costs, and portfolio assumptions.
Fixed vs Variable Mortgage Calculator
Compare fixed and variable mortgage payment trajectories with rate spread, annual differences, and horizon planning.
Blended Mortgage Rate Calculator
Estimate a blended rate and blended payment when taking a refinance advance or adding debt to an existing mortgage.
Cap Rate Calculator
Calculate capitalization rate from annual NOI and purchase price.
Property Management Fee Calculator
Estimate management, reserve, vacancy, and net income from management and property-level fee assumptions.
Vacancy Loss Calculator
Model annual vacancy loss using both vacancy percentage and expected vacancy-month approaches to create a conservative loss estimate.
Break-even Rent Calculator
Estimate the break-even monthly rent needed for a target cash flow and mortgage/expense structure.
Break-even Purchase Price Calculator
Estimate the maximum purchase price for a target rent, expense structure, and desired cash flow objective.
Gross Rent Multiplier (GRM) Calculator
Compute GRM from annual gross rent and purchase price for fast comping and cross-market screening.
BRRRR Calculator
Model buy, renovate, rent, refinance, repeat scenarios with money-left-in and cash flow outputs.
CMHC / Mortgage Default Insurance Calculator
Estimate loan-to-value, default insurance requirement, premium rate, premium amount, and insured mortgage amount.
Down Payment Planner
Plan minimum down payment, 20% down payment, monthly savings timeline, target-date gap, and next steps.
Deposit Calculator
Estimate offer deposit amount and delivery timing from purchase price, local custom percentage, and minimum deposit.
Buyer Readiness Score
Score buyer readiness using income, debts, saved down payment, target price, credit confidence, pre-approval status, timeline, and emergency reserves.
Buyer Cash Needed Timeline
Build a cash-to-close timeline with down payment, offer deposit, estimated closing costs, moving costs, emergency buffer, savings pace, and closing deadline.
First-Time Buyer Rebate Finder
Find possible first-time buyer programs and rebate source links without deducting unverified amounts from closing costs.
Payment Frequency Comparison
Compare monthly, semi-monthly, biweekly, accelerated biweekly, and weekly payment estimates.
Lump Sum Prepayment Calculator
Estimate mortgage balance impact and interest saved from a lump-sum prepayment.
Amortization Schedule Generator
Generate a year-by-year mortgage amortization table with principal, interest, and ending balance.
Realtor Commission Calculator
Estimate commission before tax, commission tax, total commission, and proceeds after commission.
Mortgage Payout Penalty Estimator
Estimate mortgage penalty concepts using 3-month interest, simplified IRD, or lender-quoted penalty.
Flip Profit Calculator
Estimate flip profit, ROI, contingency, carrying costs, selling costs, and tax reserve from user assumptions.
Refinance Calculator
Estimate refinance LTV, cash available, equity remaining, new payment, and monthly debt impact.
HELOC Payment Calculator
Compare interest-only HELOC payment with an amortizing payment scenario.
Realtor GCI Calculator
Estimate annual gross commission income from average sale price, transaction count, commission assumptions, referrals, and deal deductions.
Realtor Revenue Split Model Calculator
Compare two brokerage or team compensation models with splits, caps, royalties, monthly fees, transaction fees, and expenses.
Brokerage Cap Tracker
Estimate remaining cap, GCI needed to cap, and future deals needed based on user-entered split and cap assumptions.
Team Commission Split Calculator
Model brokerage share, team lead share, agent share, deal expenses, and effective keep rate for a team transaction.
Referral Fee Calculator
Estimate referral fee, brokerage share, admin fee, planning tax reserve, and net commission after a referral payout.
Realtor Lead ROI Calculator
Measure lead spend, software cost, conversion rates, cost per lead, cost per client, net revenue, ROI, and breakeven deals.
Open House ROI Calculator
Measure open house cost, sign-in conversion, qualified leads, appointments, projected closings, net revenue, and ROI.
Listing Marketing ROI Calculator
Plan listing marketing budgets against commission, split, buyer leads, seller leads, referral value, and net listing revenue.
Buyer Agent Pipeline Calculator
Forecast buyer consultations, signed buyers, offers, accepted offers, GCI, net revenue, value per lead, and pipeline score.
Listing Presentation ROI Planner
Model listing appointment prep time, win rate, listing revenue, marketing spend, breakeven win rate, and presentation ROI.
Seller Lead Score Calculator
Score seller lead intent using address, phone, timeline, valuation request, net sheet request, mortgage clarity, motivation, and property condition.
CMA Prep Checklist Generator
Generate a property-specific CMA prep checklist for comparables, title facts, measurements, upgrades, suite risk, and brokerage review.
Past-Client Database Value Calculator
Estimate annual database care cost, referrals, repeat opportunities, projected closings, net database value, and value per contact.
Agent Annual Business Plan Calculator
Convert target net income into required deals, required leads, weekly lead target, monthly deal target, and net revenue per transaction.
Team Recruiting Economics Calculator
Model recruits targeted, join rate, retention, override revenue, platform cost, onboarding cost, net team revenue, and recruiting ROI.
Monthly Home Ownership Cost Calculator
Estimate the true monthly ownership cost beyond the mortgage, including tax, utilities, insurance, condo fees, and maintenance reserve.
Home Buying Budget Planner
Combine income, debts, savings, target price, down payment, and monthly comfort zone into a practical buying budget.
Offer Price Strategy Calculator
Estimate conservative, fair, and aggressive offer ranges from list price, buyer ceiling, comparable value, condition, days on market, and competition.
Mortgage Renewal Payment Shock Calculator
Compare current mortgage payment to renewal payment at a new rate and estimate monthly and annual payment shock.
Variable Rate Trigger Payment Calculator
Estimate whether a variable payment covers interest and what payment may be needed at a higher rate.
Mortgage Payoff Timeline Calculator
Estimate how extra monthly payments and lump sums can reduce payoff timeline and interest.
Seller Pre-Listing Prep ROI Calculator
Compare paint, repairs, cleaning, staging, and landscaping spend against expected value lift and faster-sale benefit.
Staging ROI Calculator
Estimate staging cost, potential sale price lift, carrying-time savings, and net staging ROI.
Sell vs Rent Out My Home Calculator
Compare selling proceeds against keeping the home as a rental with cash flow, appreciation, and equity assumptions.
Move-Up Buyer Calculator
Estimate what you can buy next using current home sale proceeds, savings, new down payment, and new monthly payment comfort.
Downsizing Proceeds Calculator
Estimate sale proceeds, replacement purchase cost, leftover cash, and monthly savings from downsizing.
Separation Home Equity Split Calculator
Estimate home equity split after mortgage, penalties, selling costs, and ownership split assumptions.
Inheritance Property Decision Calculator
Compare sell, rent, renovate, or hold assumptions for an inherited property.
Duplex / Triplex Analyzer
Analyze multi-unit rent, expenses, financing, cash flow, cap rate, DSCR, and break-even rent.
BRRRR Refinance Gap Calculator
Show whether the refinance pulls enough capital back out after buy, renovation, closing, and refinance assumptions.
Negative Cash Flow Survival Calculator
Estimate monthly and annual cash burn and how long reserves can cover a negative-cash-flow property.
Private Lending Return Calculator
Estimate private lending interest, fees, loan-to-value, total return, and annualized return.
First-Time Buyer Checklist
Build a practical first-time buyer checklist from pre-approval through possession, with timing and priority prompts.
Seller Prep Checklist
Plan decluttering, repairs, documents, staging, photos, and launch prep before listing a Canadian home.
Moving Checklist
Create an eight-week moving timeline for utilities, packing, movers, address changes, cleaning, keys, and storage.
Closing Day Checklist
Plan lawyer, funds, insurance, keys, utilities, ID, final walkthrough, and possession-day handoffs.
New Home Walkthrough Checklist
Track deficiencies, photos, warranty notes, systems, finishes, appliances, exterior, and possession follow-up.
Rental Property Due Diligence Checklist
Review rent roll, leases, expenses, repairs, permits, utilities, insurance, financing, and tenant risk before buying a rental.
Condo Document Review Checklist
Review reserve fund, minutes, bylaws, insurance, lawsuits, budgets, fees, rentals, pets, parking, and special assessments.
Open House Checklist
Plan signs, feature sheets, QR codes, lead capture, safety, showing prep, follow-up, and seller reporting.
Listing Launch Checklist
Coordinate MLS, photos, floor plans, ads, social, email, sign, lockbox, showing setup, and seller reporting.
Buyer Showing Checklist
Help buyers inspect layout, condition, mechanicals, neighbourhood fit, costs, restrictions, and offer risks during showings.
Landlord Tenant Turnover Checklist
Plan cleaning, repairs, inspection, keys, deposits, utilities, ads, lease renewal, and move-in documentation.
Investor Property Inspection Checklist
Inspect capex, rentability, mechanicals, life safety, code concerns, utility splits, suites, and renovation risk.
Alberta Closing Cost Calculator
Estimate Alberta buyer closing costs, land title registration fees, legal fees, inspection, appraisal, adjustments, and cash to close.
BC Closing Cost Calculator
Estimate British Columbia buyer closing costs with property transfer tax, legal fees, inspection, appraisal, adjustments, and cash to close.
Ontario Closing Cost Calculator
Estimate Ontario buyer closing costs with land transfer tax, Toronto municipal land transfer tax where applicable, legal fees, adjustments, and cash to close.
Calgary Home Buying Cost Calculator
Estimate Calgary buyer cash-to-close and monthly ownership costs in one planning view.
Edmonton Home Buying Cost Calculator
Estimate Edmonton buyer cash-to-close and monthly ownership costs in one planning view.
Toronto Land Transfer Tax Calculator
Estimate Ontario and Toronto municipal land transfer tax for a Toronto purchase using source-backed MVP rules.
Vancouver Property Transfer Tax Calculator
Estimate BC property transfer tax for a Vancouver purchase using source-backed MVP rules.
Nunavut Home Buying Cost Planner
Plan Nunavut buyer cash-to-close and monthly carrying costs with explicit source-review warnings for title, tenure, legal, utilities, travel, and remote service assumptions.
Northern Remote Homeownership Cost Calculator
Estimate remote and northern monthly ownership costs, including heating, utilities, maintenance, travel, shipping, vacancy, and service reserves.
Territorial Land Title Review Checklist
Create a review checklist for territorial title, tenure, lease, registration, survey, lawyer, mortgage, and possession issues before buying.
Province-by-Province Buyer Cost Comparison
Compare buyer closing costs and cash-to-close across Alberta, British Columbia, and Ontario using the current source-backed MVP rules.
Province-by-Province Seller Cost Comparison
Compare estimated seller net proceeds across provinces using commission, tax, legal, mortgage, and prep assumptions.
City Property Tax Monthly Cost Calculator
Estimate monthly property tax impact from a user-entered annual tax amount or effective tax rate without pretending to know every municipal mill rate.
Emergency Fund After Purchase Calculator
Estimate how much cash remains after closing and how many months of ownership costs the buyer keeps in reserve.
Mortgage Qualification Gap Calculator
Estimate the gap between a target purchase and what income, down payment, or debt reduction may be needed to qualify.
Debt Paydown Before Buying Calculator
Compare which debts to pay down first to improve monthly cash flow and mortgage qualification comfort.
HELOC vs Refinance Calculator
Compare borrowing through a HELOC versus refinancing based on payment, interest-only cost, fees, and available equity.
Multiple Offer Comfort Zone Calculator
Set a disciplined bidding-war comfort zone using list price, budget ceiling, deposit, repair reserve, and post-closing cash.
Commute Cost Calculator
Compare locations by commute time, fuel, transit, parking, days on-site, and time value.
Tenant Turnover Cost Calculator
Estimate vacancy, cleaning, repairs, leasing, incentives, and rent-loss costs when a tenant moves out.
Vacancy Cost Calculator
Estimate rent loss, utilities, insurance, mortgage, taxes, ads, and carrying costs during vacancy.
Rental Repair Reserve Calculator
Estimate annual and monthly repair reserves by property age, rent, unit count, and capital item planning.
Landlord Cash Buffer Calculator
Estimate how many months of reserves a landlord should hold for mortgage, vacancy, repairs, insurance, taxes, and utilities.
Lease Renewal Decision Calculator
Compare renewing, turnover, vacancy, and rent-change assumptions to choose a landlord lease renewal strategy.
Hold vs Sell Investment Property Calculator
Compare selling an investment property now versus holding for cash flow, appreciation, debt paydown, and exit value.
New Build vs Resale Cost Calculator
Compare new construction and resale ownership costs including upgrades, GST/HST review prompts, landscaping, appliances, delays, and carrying overlap.
Platform categories
Buying Tools
Affordability, mortgage payments, cash-to-close, rent-vs-buy, and offer planning.
Selling Tools
Seller net sheets, prep ROI, mortgage payout estimates, listing timelines, and proceeds planning.
Investor Tools
Cash flow, cap rate, BRRRR, refinance, deal score, and scenario comparison.
Mortgage Tools
Payments, stress test, renewals, prepayments, qualification, and amortization.
Realtor Utility Tools
Commission, revenue split, lead ROI, seller strategy, presentation value, and operating calculators.
Tax and Closing Tools
Province-aware transfer tax, closing cost, rebate, and new construction source tracking.
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