Canadian Home & Mortgage Calculators

Monthly payment with proper Canadian semi-annual compounding and CMHC auto-detection.

Your default insurance premium, provincial PST, and monthly payment impact.

How much home you can afford under the OSFI B-20 stress test with GDS/TDS limits.

LTT for all provinces — Ontario, BC, Quebec, Toronto municipal, first-time buyer rebates.

Ontario's 25% NRST charged on the whole purchase against BC's 20% on the foreign buyer's share — the proration rule that makes a 33% interest cost C$250,000 in Ontario and C$66,000 in Vancouver. CAD.

Toronto's 3% VHT, Vancouver's 3% EHT and BC's provincial speculation tax shown stacking on the same property, with the declaration deadlines that trigger the bill. CAD.

Project your First Home Savings Account balance, tax deductions, and compound growth.

Calculate your HBP withdrawal (up to C$35K) and 15-year repayment schedule. Combine with FHSA.

Every closing cost broken down — LTT, legal fees, title insurance, CMHC PST — by province. All figures CAD.

Provincial land transfer tax plus Toronto's municipal LTT on the band table effective 1 April 2026, and both first-time buyer rebates. CAD.

Property Transfer Tax with the first-time buyer and newly built exemption cliffs, and the foreign buyer's additional 20%. CAD.

Alberta charges no land transfer tax — only Land Titles registration fees, on the post-October-2024 scale. CAD.

Droit de mutation on the municipal schedule that actually applies — Montréal's seven bands to 4%, Ville de Québec's two, and the provincial base. CAD.

Underpinning and bench footing per linear foot, moisture work, code egress windows and Toronto's 2026 permit fee — priced separately, not as a square-foot rate. CAD.

Canadian bathroom costs in CAD by province — HST, GST, and the PST a BC or Manitoba contractor pays on materials and buries in the quote, plus plumbing relocation and Toronto's 2026 per-fixture permit fee.

A Canadian kitchen budget in CAD built from cabinetry per linear foot by carcass material and countertop per square foot, then run through your province's sales tax. CAD.

The federal MHRTC at 14.5% on up to C$50,000 of eligible costs for a self-contained secondary unit — with the eligibility conditions most claimants fail, checked before the number. CAD.

Canadian version with LTT, CMHC, semi-annual compounding, and opportunity cost of down payment.

IRD vs 3-month interest — know your penalty before breaking your mortgage.

Kitchen, bathroom, basement costs in CAD by city — Toronto, Calgary, Vancouver and more.

Roofer wages by province from Job Bank, Canadian installed bands in C$, and the eave-protection membrane the code requires against ice dams.

Published Canadian cap rates city by city, with the CMHC and CREA inputs behind them — Saskatoon at the top, Vancouver and Toronto at the bottom.

Net operating income over purchase price for a Canadian rental, in C$ — property tax, insurance, maintenance and vacancy netted out of gross rent before the rate. Financing excluded, so deals compare on their own merits.

Gross rental yield against CMHC Rental Market Survey average rents — 39 centres, by bedroom count, in C$.

Compare staying with your lender vs. a straight switch to a new one. OSFI exempted straight switches from the stress test Nov. 21, 2024.

Save 3–4 years off your mortgage with accelerated bi-weekly payments. Canadian compounding.

Cap rate, cash flow, and cash-on-cash return for Canadian investment properties.

Compare property tax rates across 16 Canadian cities — Vancouver to Winnipeg.

How much home equity credit can you access? 65% standalone / 80% combined LTV.

Full monthly schedule — principal, interest, balance — with Canadian semi-annual compounding.

How long to save 5%, 10%, or 20% down — with FHSA tax boost included.

Federal rebate up to C$6,300 + Ontario's C$24,000 rebate on new builds. Ontario agreements from 1 April 2026 to 31 March 2027 can reach C$80,000 combined under the enhanced rebate (CRA Notice 346).

Investment property sale: 50% inclusion rate, ACB, principal residence exemption.

Year-by-year equity from payments + appreciation. See when you're HELOC-ready.

Compare monthly costs and equity growth: condo (with fee) vs detached house side by side.

Extra payments save tens of thousands. See your exact savings and payoff date.

Buying before you sell? Calculate daily interest and total bridge financing cost.

Deposit schedule, the Ontario interim occupancy fee modelled from its three statutory parts, and cash needed at closing.

Estimate your annual premium by province and home type before getting quotes.

See how condo fees reduce your mortgage qualification — GDS/TDS impact explained.

Every dollar you need: down payment, LTT rebates, FHSA savings, and closing costs.

Cap rate, monthly cash flow, and 10-year return for Canadian rental properties.

Enter two rates — see exact interest saved, monthly payment difference, and renewal balance.

Renting your hot water tank is a Canadian arrangement with no US equivalent. Prices all three paths in C$ — buy outright, keep renting, or buy out the contract — with the published buyout schedule.

Published provincial bands in C$ — BC C$4,500–C$8,500 against Manitoba C$3,200–C$6,500 — with your heating climate as a separate input, because Winnipeg needs 61% more heating than Toronto for the same house.

Priced from the footing depth your own municipality requires below frost — 457 mm in Victoria against 2,438 mm in Saskatoon for the same deck — plus the building code's 600 mm guard threshold, which adds a railing at a single millimetre of height. In C$.

Section 9.36 publishes the attic requirement twice — with a heat recovery ventilator and without. In zone 7A that is R-59.2 against R-49.2, about C$405 of cellulose on a 1,200 sq ft attic. No US attic calculator has that column.

C$30.67 a month with repairs included, or C$2,414 installed without — Enercare's own prices, compared honestly. Then the salt bill, from your own city's published water hardness. In C$.

Bypass, fan-powered or steam, installed in C$ with your province's sales tax — plus which steam model your water's conductivity calls for, and a bounded season of electricity.

Per-foot eavestrough bands in C$ by material, downspouts and your province's GST/HST/PST — plus the City of Toronto's mandatory downspout disconnection and its C$500 aid.

CAD · aggregate base depth · freeze-thaw

Asphalt, concrete, interlock or gravel in C$ per sq ft or m², old-driveway removal and your province's GST/HST/PST — plus the City of Toronto's rules for widening.

Single or double, steel to solid wood: the door and its installation priced separately in C$, plus opener, removal and your province's GST/HST/PST.

Under-sink or whole-house RO: system and installation in C$ with your province's GST/HST/PST, then what the filters and membrane cost every year.

Walls, ceilings and baseboards in C$ per sq ft of wall, with Job Bank's painter wage where you live and your province's GST/HST/PST.

LVP, laminate, engineered or solid hardwood, tile or carpet in C$ per sq ft — material and labour priced separately, plus removal, levelling and your province's GST/HST/PST.

Dig, burst or line your sewer lateral in C$ per foot — billed the way your city splits it at the property line, with Toronto, Ottawa and EPCOR backwater valve subsidies.

Duct-only jobs in C$: full replacement by home size, new ducts, a partial run or Aeroseal sealing — and the rebate programmes checked, none of which pays for ducts.