NestAbode · Buyer tools
Five quiet calculators for buying in Ontario — payment, land transfer tax, the cash you need to close, what you can comfortably carry, and whether refinancing pays off. Each is an estimate, calculated on your own device. Nothing you type is sent anywhere.
Your monthly payment by rate, amortization and frequency — with default insurance and the balance left at the end of your term.
Estimate my paymentThe price range your income and down payment support, qualified at the federal stress-test rate — with the payment you'd actually make.
See my rangeOntario tax plus Toronto's municipal land transfer tax, current first-time-buyer rebates, and the 2026 luxury bands keyed to your closing date.
Estimate the taxWhether you need default insurance, the premium and its PST, plus the full cash you'll need on closing day — tax, legal and inspection included.
Add up my closingEstimate the penalty to break your term, your new payment, and how many months it takes to recover the cost — before renewal arrives.
Is it worth it?When the numbers feel right, talk them through with someone licensed.
Speak to a licensed professionalThese are estimates, not advice. Every figure is calculated in your browser from published Canadian rate tables and rules as of the effective date shown on each tool — they will not exactly match a lender's commitment, a lawyer's statement of adjustments, or your final closing costs. Fixed-rate mortgages compound semi-annually under the Interest Act. None of these tools collect personal information. Confirm every number with a licensed mortgage professional and an Ontario real estate lawyer before you rely on it.