Canada
29 calculators · 2026 rules
Canadian Home & Mortgage
Calculators
CMHC insurance, mortgage stress test, land transfer tax, FHSA — all with proper Canadian semi-annual compounding and 2026 rates. Free, instant, no sign-up.
Mortgage Calculators
Canadian mortgage math — semi-annual compounding, CMHC, and stress test.
Canadian Mortgage Calculator
Monthly payment with proper Canadian semi-annual compounding and CMHC auto-detection.
Calculate →CMHC Insurance Calculator
Your default insurance premium, provincial PST, and monthly payment impact.
Calculate →Mortgage Affordability Calculator
How much home you can afford under the OSFI B-20 stress test with GDS/TDS limits.
Calculate →Real Estate Costs
Closing costs, government programs, and first-time buyer savings.
Land Transfer Tax Calculator
LTT for all provinces — Ontario, BC, Quebec, Toronto municipal, first-time buyer rebates.
Calculate →FHSA Calculator
Project your First Home Savings Account balance, tax deductions, and compound growth.
Calculate →Budget 2024RRSP Home Buyers' Plan Calculator
Calculate your HBP withdrawal (up to $35K) and 15-year repayment schedule. Combine with FHSA.
Calculate →Canada Closing Costs Calculator
Every closing cost broken down — LTT, legal fees, title insurance, CMHC PST — by province.
Calculate →Rent vs Buy Calculator Canada
Canadian version with LTT, CMHC, semi-annual compounding, and opportunity cost of down payment.
Calculate →Mortgage Management
For existing owners — breaking a mortgage, renovation planning.
Mortgage Break Penalty Calculator
IRD vs 3-month interest — know your penalty before breaking your mortgage.
Calculate →CAD pricesHome Renovation Cost Calculator
Kitchen, bathroom, basement costs in CAD by city — Toronto, Calgary, Vancouver and more.
Calculate →No stress testMortgage Renewal Calculator
Compare staying with your lender vs switching. No stress test required if you stay (post-2024).
Calculate →Accelerated Bi-Weekly Calculator
Save 3–4 years off your mortgage with accelerated bi-weekly payments. Canadian compounding.
Calculate →Rental Property Calculator
Cap rate, cash flow, and cash-on-cash return for Canadian investment properties.
Calculate →16 citiesProperty Tax Calculator
Compare property tax rates across 16 Canadian cities — Vancouver to Winnipeg.
Calculate →OSFI B-20HELOC Calculator
How much home equity credit can you access? 65% standalone / 80% combined LTV.
Calculate →Canadian Amortization Calculator
Full monthly schedule — principal, interest, balance — with Canadian semi-annual compounding.
Calculate →Includes FHSADown Payment Savings Calculator
How long to save 5%, 10%, or 20% down — with FHSA tax boost included.
Calculate →New builds onlyGST/HST New Home Rebate
Federal rebate up to $6,300 + Ontario rebate up to $24,000 on newly built homes.
Calculate →50% inclusionCapital Gains Tax Calculator
Investment property sale: 50% inclusion rate, ACB, principal residence exemption.
Calculate →Home Equity Calculator
Year-by-year equity from payments + appreciation. See when you're HELOC-ready.
Calculate →Condo vs House Calculator
Compare monthly costs and equity growth: condo (with fee) vs detached house side by side.
Calculate →Mortgage Payoff Calculator
Extra payments save tens of thousands. See your exact savings and payoff date.
Calculate →Bridge Loan Calculator
Buying before you sell? Calculate daily interest and total bridge financing cost.
Calculate →New buildsPre-Construction Deposit Calculator
Deposit schedule, occupancy fees, and cash needed at closing for new condo buyers.
Calculate →Home Insurance Estimator
Estimate your annual premium by province and home type before getting quotes.
Calculate →GDS / TDSCondo Fee Affordability Calculator
See how condo fees reduce your mortgage qualification — GDS/TDS impact explained.
Calculate →Complete pictureFirst Home Buyer Total Cost Calculator
Every dollar you need: down payment, LTT rebates, FHSA savings, and closing costs.
Calculate →20%+ downInvestment Property ROI Calculator
Cap rate, monthly cash flow, and 10-year return for Canadian rental properties.
Calculate →Canadian Mortgage Comparison
Enter two rates — see exact interest saved, monthly payment difference, and renewal balance.
Calculate →Land Transfer Tax by Province
2025/2026 rates — Alberta and Saskatchewan have no provincial LTT.
| Province | Rate Range | FTHB Benefit | Toronto |
|---|---|---|---|
| Ontario | 0.5%–2.5% | $4,000 rebate | +$4,475 rebate |
| British Columbia | 1%–5% | Exempt on $500K if <$835K | — |
| Quebec | 0.5%–2.5% | None | — |
| Manitoba | 0.5%–2.5% | Exempt up to $300K | — |
| Nova Scotia | 1.5% flat | None | — |
| Alberta | None | N/A | — |
| Saskatchewan | None | N/A | — |
Use the Land Transfer Tax Calculator for your exact amount including first-time buyer rebates.
Major Canadian Cities
Each city has unique tax rules — know what applies to your market.