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Tools hub
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.
Tool library
123
live tools and workflows
Preloaded scenarios
Decision briefs
Verified source notes
Mobile-first forms
What you can do here
Explore specialist pathsA practical workspace for Canadian real estate decisions.
Build a usable output
Generate estimates, checklists, comparisons, and decision briefs you can email, save, discuss, or use before a professional conversation.
Compare scenarios
Use preloaded scenarios, sliders, tables, and assumptions to understand how the decision changes under pressure.
Embed on any site
Use selected tools as clean website widgets for Realtor, team, brokerage, mortgage, investor, and property-management sites.
Local cost tools
City and province tools with real cost context.
Use local tools when taxes, transfer costs, property taxes, utilities, buyer cash, or market-specific assumptions change the decision.
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.
123 matching tools
Start with the decision. Then choose a calculator, comparison, checklist, planner, or scorecard.
Live calculator
Canadian Mortgage Payment Calculator
Estimate payments, mortgage insurance, stress-test rate, and monthly carrying cost using Canadian assumptions.
Calculate payment
Live calculator
Home Affordability Calculator
Estimate conservative, moderate, and stretch purchase scenarios using income, debts, down payment, and stress-tested payments.
Estimate affordability
Live calculator
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.
Estimate closing costs
Live calculator
Land Transfer / Property Transfer Tax Calculator
Calculate province-aware transfer tax or land title registration estimates for Ontario, Toronto, British Columbia, and Alberta.
Calculate transfer tax
Live calculator
Seller Net Sheet Calculator
Estimate what a seller may walk away with after mortgage payout, commission, tax, legal fees, prep, moving, and adjustments.
Calculate net proceeds
Live calculator
Rental Property Cash Flow Calculator
Analyze rent, financing, expenses, vacancy, NOI, cash flow, cap rate, cash-on-cash return, DSCR, and deal score.
Analyze rental
Live calculator
Mortgage Stress Test Calculator
Estimate the qualifying rate and payment gap between contract rate and stress-tested rate.
Run stress test
Live comparison
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.
Compare rent vs buy
Live comparison
Fixed vs Variable Mortgage Calculator
Compare fixed and variable mortgage payment trajectories with rate spread, annual differences, and horizon planning.
Compare structures
Live calculator
Blended Mortgage Rate Calculator
Estimate a blended rate and blended payment when taking a refinance advance or adding debt to an existing mortgage.
Calculate blended rate
Live calculator
Cap Rate Calculator
Calculate capitalization rate from annual NOI and purchase price.
Calculate cap rate
Live calculator
Property Management Fee Calculator
Estimate management, reserve, vacancy, and net income from management and property-level fee assumptions.
Calculate management impact
Live calculator
Vacancy Loss Calculator
Model annual vacancy loss using both vacancy percentage and expected vacancy-month approaches to create a conservative loss estimate.
Calculate vacancy loss
Live calculator
Break-even Rent Calculator
Estimate the break-even monthly rent needed for a target cash flow and mortgage/expense structure.
Calculate break-even rent
Live calculator
Break-even Purchase Price Calculator
Estimate the maximum purchase price for a target rent, expense structure, and desired cash flow objective.
Estimate purchase ceiling
Live calculator
Gross Rent Multiplier (GRM) Calculator
Compute GRM from annual gross rent and purchase price for fast comping and cross-market screening.
Calculate GRM
Live calculator
BRRRR Calculator
Model buy, renovate, rent, refinance, repeat scenarios with money-left-in and cash flow outputs.
Analyze BRRRR deal
Live calculator
CMHC / Mortgage Default Insurance Calculator
Estimate loan-to-value, default insurance requirement, premium rate, premium amount, and insured mortgage amount.
Estimate insurance
Live planner
Down Payment Planner
Plan minimum down payment, 20% down payment, monthly savings timeline, target-date gap, and next steps.
Plan down payment
Live calculator
Deposit Calculator
Estimate offer deposit amount and delivery timing from purchase price, local custom percentage, and minimum deposit.
Calculate deposit
Live scorecard
Buyer Readiness Score
Score buyer readiness using income, debts, saved down payment, target price, credit confidence, pre-approval status, timeline, and emergency reserves.
Score readiness
Live calculator
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.
Build cash timeline
Live calculator
First-Time Buyer Rebate Finder
Find possible first-time buyer programs and rebate source links without deducting unverified amounts from closing costs.
Find potential rebates
Live comparison
Payment Frequency Comparison
Compare monthly, semi-monthly, biweekly, accelerated biweekly, and weekly payment estimates.
Compare frequencies
Live calculator
Lump Sum Prepayment Calculator
Estimate mortgage balance impact and interest saved from a lump-sum prepayment.
Calculate prepayment
Live planner
Amortization Schedule Builder
Build a year-by-year mortgage amortization table with principal, interest, and ending balance.
Build schedule
Live calculator
Realtor Commission Calculator
Estimate commission before tax, commission tax, total commission, and proceeds after commission.
Calculate commission
Live calculator
Mortgage Payout Penalty Estimator
Estimate mortgage penalty concepts using 3-month interest, simplified IRD, or lender-quoted penalty.
Estimate penalty
Live calculator
Flip Profit Calculator
Estimate flip profit, ROI, contingency, carrying costs, selling costs, and tax reserve from user assumptions.
Calculate flip profit
Live calculator
Refinance Calculator
Estimate refinance LTV, cash available, equity remaining, new payment, and monthly debt impact.
Analyze refinance
Live calculator
HELOC Payment Calculator
Compare interest-only HELOC payment with an amortizing payment scenario.
Calculate HELOC payment
Live calculator
Realtor GCI Calculator
Estimate annual gross commission income from average sale price, transaction count, commission assumptions, referrals, and deal deductions.
Calculate GCI
Live comparison
Realtor Revenue Split Model Calculator
Compare two brokerage or team compensation models with splits, caps, royalties, monthly fees, transaction fees, and expenses.
Compare split models
Live calculator
Brokerage Cap Tracker
Estimate remaining cap, GCI needed to cap, and future deals needed based on user-entered split and cap assumptions.
Track cap
Live calculator
Team Commission Split Calculator
Model brokerage share, team lead share, agent share, deal expenses, and effective keep rate for a team transaction.
Calculate team split
Live calculator
Referral Fee Calculator
Estimate referral fee, brokerage share, admin fee, planning tax reserve, and net commission after a referral payout.
Calculate referral fee
Live calculator
Realtor Lead ROI Calculator
Measure lead spend, software cost, conversion rates, cost per lead, cost per client, net revenue, ROI, and breakeven deals.
Calculate lead ROI
Live calculator
Open House ROI Calculator
Measure open house cost, sign-in conversion, qualified leads, appointments, projected closings, net revenue, and ROI.
Calculate open house ROI
Live calculator
Listing Marketing ROI Calculator
Plan listing marketing budgets against commission, split, buyer leads, seller leads, referral value, and net listing revenue.
Calculate marketing ROI
Live calculator
Buyer Agent Pipeline Calculator
Forecast buyer consultations, signed buyers, offers, accepted offers, GCI, net revenue, value per lead, and pipeline score.
Calculate buyer pipeline
Live planner
Listing Presentation ROI Planner
Model listing appointment prep time, win rate, listing revenue, marketing spend, breakeven win rate, and presentation ROI.
Plan presentation ROI
Live scorecard
Seller Lead Score Calculator
Score seller lead intent using address, phone, timeline, valuation request, net sheet request, mortgage clarity, motivation, and property condition.
Score seller lead
Live checklist
CMA Prep Checklist Builder
Build a property-specific CMA prep checklist for comparables, title facts, measurements, upgrades, suite risk, and brokerage review.
Build CMA checklist
Live calculator
Past-Client Database Value Calculator
Estimate annual database care cost, referrals, repeat opportunities, projected closings, net database value, and value per contact.
Calculate database value
Live planner
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.
Build annual plan
Live calculator
Team Recruiting Economics Calculator
Model recruits targeted, join rate, retention, override revenue, platform cost, onboarding cost, net team revenue, and recruiting ROI.
Calculate recruiting economics
Live calculator
Rural and Acreage Buyer Cost Calculator
Estimate acreage and rural ownership costs beyond the mortgage, including heating, utilities, insurance, well/septic reserve, driveway, snow, equipment, travel, and maintenance.
Calculate acreage costs
Live calculator
Monthly Home Ownership Cost Calculator
Estimate the true monthly ownership cost beyond the mortgage, including tax, utilities, insurance, condo fees, and maintenance reserve.
Calculate monthly cost
Live calculator
Home Buying Budget Planner
Combine income, debts, savings, target price, down payment, and monthly comfort zone into a practical buying budget.
Plan buying budget
Live comparison
Offer Price Strategy Calculator
Build conservative, balanced, and aggressive offer bands from comparable sales, market heat, condition, budget ceiling, deposit, cash reserve, and financing comfort.
Build offer strategy
Live calculator
Mortgage Renewal Payment Shock Calculator
Compare current mortgage payment to renewal payment at a new rate and estimate monthly and annual payment shock.
Calculate payment shock
Live calculator
Variable Rate Trigger Payment Calculator
Estimate whether a variable payment covers interest and what payment may be needed at a higher rate.
Check trigger payment
Live calculator
Mortgage Payoff Timeline Calculator
Estimate how extra monthly payments and lump sums can reduce payoff timeline and interest.
Calculate payoff timeline
Live calculator
Seller Pre-Listing Prep ROI Calculator
Compare paint, repairs, cleaning, staging, and landscaping spend against expected value lift and faster-sale benefit.
Calculate prep ROI
Live calculator
Staging ROI Calculator
Estimate staging cost, potential sale price lift, carrying-time savings, and net staging ROI.
Calculate staging ROI
Live calculator
Sell vs Rent Out My Home Calculator
Compare selling proceeds against keeping the home as a rental with cash flow, appreciation, and equity assumptions.
Compare sell vs rent
Live calculator
Move-Up Buyer Calculator
Build a move-up purchase worksheet with current sale proceeds, target next home, closing costs, payment change, bridge financing, and cash gap signals.
Build move-up worksheet
Live calculator
Downsizing Proceeds Calculator
Estimate sale proceeds, replacement purchase cost, leftover cash, and monthly savings from downsizing.
Calculate downsizing proceeds
Live calculator
Separation Home Equity Split Calculator
Estimate home equity split after mortgage, penalties, selling costs, and ownership split assumptions.
Estimate equity split
Live calculator
Inheritance Property Decision Calculator
Compare sell, rent, renovate, or hold assumptions for an inherited property.
Compare estate options
Live calculator
Duplex / Triplex Analyzer
Analyze multi-unit rent, expenses, financing, cash flow, cap rate, DSCR, and break-even rent.
Analyze multi-unit deal
Live calculator
BRRRR Refinance Gap Calculator
Show whether the refinance pulls enough capital back out after buy, renovation, closing, and refinance assumptions.
Calculate refinance gap
Live calculator
Negative Cash Flow Survival Calculator
Estimate monthly and annual cash burn and how long reserves can cover a negative-cash-flow property.
Calculate survival runway
Live calculator
Private Lending Return Calculator
Estimate private lending interest, fees, loan-to-value, total return, and annualized return.
Calculate lending return
Live planner
Agent Follow-Up Sequence Builder
Build a practical multi-touch follow-up plan after a buyer, seller, investor, renewal, open house, or past-client interaction.
Build follow-up sequence
Live planner
Listing Launch Command Centre
Create a launch calendar, readiness score, marketing budget ratio, and seller update rhythm for an upcoming listing.
Build launch plan
Live planner
Agent Niche Positioning Planner
Turn a target niche into a focused tool stack, proof plan, content cadence, and lead math.
Plan niche strategy
Live planner
Realtor AI Prompt Brief Builder
Prepare a safer AI brief for real estate emails, listing notes, market updates, and social posts using only verified inputs.
Build AI brief
Live scorecard
Agent Coaching Scorecard
Diagnose weekly agent activity, conversion, follow-up discipline, content output, and GCI progress.
Score agent week
Live planner
Brokerage Tool Adoption Planner
Model how many reports, leads, appointments, and brokerage-side GCI could come from agent tool adoption.
Model adoption impact
Live checklist
AI Real Estate Content Review Checklist
Review AI-assisted real estate content for facts, claims, privacy, advertising risk, brokerage rules, and human-rights concerns before publishing.
Review content
Live scorecard
Mortgage Lead Triage Scorecard
Score a mortgage lead by timeline, documentation readiness, down payment clarity, debt pressure, renewal urgency, and referral fit.
Score mortgage lead
Live planner
Mortgage Renewal Rescue Planner
Build a renewal action plan from payment shock, deadline pressure, household budget gap, debt consolidation need, and refinance options.
Build renewal plan
Live checklist
Mortgage Document Readiness Checklist
Prepare a borrower for a mortgage review by organizing income, down payment, debt, property, renewal, refinance, and ID documents.
Build document checklist
Live planner
Realtor to Mortgage Broker Handoff Builder
Create a clean referral handoff summary with buyer timeline, budget, property context, risks, and consent-aware next steps.
Build handoff summary
Live planner
Mortgage Broker Website Funnel Planner
Plan which calculators, CTAs, and follow-up paths a mortgage broker website should use for buyers, renewals, refinances, and investors.
Plan broker funnel
Live checklist
First-Time Buyer Checklist
Build a practical first-time buyer checklist from pre-approval through possession, with timing and priority prompts.
Build buyer checklist
Live checklist
Seller Prep Checklist
Plan decluttering, repairs, documents, staging, photos, and launch prep before listing a Canadian home.
Build seller prep checklist
Live checklist
Moving Checklist
Create an eight-week moving timeline for utilities, packing, movers, address changes, cleaning, keys, and storage.
Build moving checklist
Live checklist
Closing Day Checklist
Plan lawyer, funds, insurance, keys, utilities, ID, final walkthrough, and possession-day handoffs.
Build closing checklist
Live checklist
New Home Walkthrough Checklist
Track deficiencies, photos, warranty notes, systems, finishes, appliances, exterior, and possession follow-up.
Build walkthrough checklist
Live checklist
Rental Property Due Diligence Checklist
Review rent roll, leases, expenses, repairs, permits, utilities, insurance, financing, and tenant risk before buying a rental.
Build due diligence checklist
Live checklist
Condo Document Review Checklist
Review reserve fund, minutes, bylaws, insurance, lawsuits, budgets, fees, rentals, pets, parking, and special assessments.
Build condo checklist
Live checklist
Open House Checklist
Plan signs, feature sheets, QR codes, lead capture, safety, showing prep, follow-up, and seller reporting.
Build open house checklist
Live checklist
Listing Launch Checklist
Coordinate MLS, photos, floor plans, ads, social, email, sign, lockbox, showing setup, and seller reporting.
Build launch checklist
Live checklist
Buyer Showing Checklist
Help buyers inspect layout, condition, mechanicals, neighbourhood fit, costs, restrictions, and offer risks during showings.
Build showing checklist
Live checklist
Landlord Tenant Turnover Checklist
Plan cleaning, repairs, inspection, keys, deposits, utilities, ads, lease renewal, and move-in documentation.
Build turnover checklist
Live checklist
Investor Property Inspection Checklist
Inspect capex, rentability, mechanicals, life safety, code concerns, utility splits, suites, and renovation risk.
Build investor inspection checklist
Live calculator
Alberta Closing Cost Calculator
Estimate Alberta buyer closing costs, land title registration fees, legal fees, inspection, appraisal, adjustments, and cash to close.
Calculate local closing costs
Live calculator
BC Closing Cost Calculator
Estimate British Columbia buyer closing costs with property transfer tax, legal fees, inspection, appraisal, adjustments, and cash to close.
Calculate local closing costs
Live calculator
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.
Calculate local closing costs
Live calculator
Calgary Home Buying Cost Calculator
Estimate Calgary buyer cash-to-close and monthly ownership costs in one planning view.
Calculate buying costs
Live calculator
Edmonton Home Buying Cost Calculator
Estimate Edmonton buyer cash-to-close and monthly ownership costs in one planning view.
Calculate buying costs
Live calculator
Toronto Land Transfer Tax Calculator
Estimate Ontario and Toronto municipal land transfer tax for a Toronto purchase using source-backed MVP rules.
Calculate transfer tax
Live calculator
Vancouver Property Transfer Tax Calculator
Estimate BC property transfer tax for a Vancouver purchase using source-backed MVP rules.
Calculate transfer tax
Live calculator
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.
Plan Nunavut buying costs
Live calculator
Northern Remote Homeownership Cost Calculator
Estimate remote and northern monthly ownership costs, including heating, utilities, maintenance, travel, shipping, vacancy, and service reserves.
Calculate remote ownership cost
Live checklist
Territorial Land Title Review Checklist
Create a review checklist for territorial title, tenure, lease, registration, survey, lawyer, mortgage, and possession issues before buying.
Build title review checklist
Live calculator
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.
Compare buyer costs
Live calculator
Province-by-Province Seller Cost Comparison
Compare estimated seller net proceeds across provinces using commission, tax, legal, mortgage, and prep assumptions.
Compare seller costs
Live calculator
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.
Estimate monthly tax
Live calculator
Emergency Fund After Purchase Calculator
Estimate how much cash remains after closing and how many months of ownership costs the buyer keeps in reserve.
Check post-closing cushion
Live calculator
Mortgage Qualification Gap Calculator
Estimate the gap between a target purchase and what income, down payment, or debt reduction may be needed to qualify.
Calculate qualification gap
Live calculator
Debt Paydown Before Buying Calculator
Compare which debts to pay down first to improve monthly cash flow and mortgage qualification comfort.
Compare debt paydown
Live calculator
HELOC vs Refinance Calculator
Compare borrowing through a HELOC versus refinancing based on payment, interest-only cost, fees, and available equity.
Compare HELOC and refinance
Live calculator
Multiple Offer Comfort Zone Calculator
Set a disciplined bidding-war comfort zone using list price, budget ceiling, deposit, repair reserve, and post-closing cash.
Find comfort zone
Live calculator
Commute Cost Calculator
Compare locations by commute time, fuel, transit, parking, days on-site, and time value.
Calculate commute cost
Live calculator
Tenant Turnover Cost Calculator
Estimate vacancy, cleaning, repairs, leasing, incentives, and rent-loss costs when a tenant moves out.
Calculate turnover cost
Live calculator
Vacancy Cost Calculator
Estimate rent loss, utilities, insurance, mortgage, taxes, ads, and carrying costs during vacancy.
Calculate vacancy cost
Live calculator
Rental Repair Reserve Calculator
Estimate annual and monthly repair reserves by property age, rent, unit count, and capital item planning.
Calculate repair reserve
Live calculator
Landlord Cash Buffer Calculator
Estimate how many months of reserves a landlord should hold for mortgage, vacancy, repairs, insurance, taxes, and utilities.
Calculate cash buffer
Live calculator
Lease Renewal Decision Calculator
Compare renewing, turnover, vacancy, and rent-change assumptions to choose a landlord lease renewal strategy.
Compare renewal options
Live calculator
Hold vs Sell Investment Property Calculator
Compare selling an investment property now versus holding for cash flow, appreciation, debt paydown, and exit value.
Compare hold vs sell
Live calculator
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.
Compare new vs resale
Live checklist
Transaction Deadline Tracker
Build a practical transaction timeline for conditions, deposit, financing, inspection, lawyer documents, and possession.
Build transaction tracker
Live checklist
Real Estate Lawyer Closing Intake Checklist
Organize the information a buyer or seller can prepare before opening a residential real estate closing file with a lawyer.
Build legal intake checklist
Live checklist
Mortgage Renewal Document Handoff Checklist
Prepare a renewal borrower for a focused mortgage review with current statements, income, debt, property, and lender-offer information.
Build renewal handoff
Live checklist
Listing Appointment Prep Checklist
Prepare a listing appointment with property facts, seller goals, pricing evidence, marketing plan, service scope, and next steps.
Build listing appointment plan
Live checklist
Mortgage Broker Client Meeting Checklist
Give a broker or borrower a practical meeting structure covering goals, income, debts, property, cash, qualification, and next actions.
Build meeting checklist
Live checklist
Annual Home Review Checklist
Create a client-facing annual home review covering equity, mortgage renewal, maintenance, insurance, taxes, and future decisions.
Build annual review
Live planner
Buyer Consultation Brief Builder
Create a client-ready buyer brief with goals, budget guardrails, cash requirements, search priorities, and next actions.
Build buyer brief
Live planner
Seller Consultation Brief Builder
Create a seller-facing consultation brief covering motivation, timing, property facts, preparation, price strategy, and net proceeds questions.
Build seller brief
Live comparison
Offer Comparison Worksheet
Compare up to three offer scenarios by price, deposit, conditions, dates, financing, risk, and buyer cash requirements.
Compare offers
Platform categories
Buying Tools
Affordability, mortgage payments, cash-to-close, rent-vs-buy, and offer planning.
Live tool category
Selling Tools
Seller net sheets, prep ROI, mortgage payout estimates, listing timelines, and proceeds planning.
Live tool category
Investor Tools
Cash flow, cap rate, BRRRR, refinance, deal score, and scenario comparison.
Live tool category
Mortgage Tools
Payments, stress test, renewals, prepayments, qualification, and amortization.
Live tool category
Realtor Utility Tools
Commission, revenue split, lead ROI, seller strategy, presentation value, and operating calculators.
Live tool category
Tax and Closing Tools
Province-aware transfer tax, closing cost, rebate, and new construction source tracking.
Live tool category
Built for Canadian real estate decisions
Turn calculators into branded reports, lead magnets, and smarter client conversations.
Use the free public tool foundation to create report-ready estimates, client notes, operating workflows, and practical next-step conversations.