Buyer & renter tools
Mortgage & rent calculators
Six quiet calculators for the Ontario market—five for buying, plus a rent affordability check. Each is an estimate, calculated on your own device. Nothing you type is sent anywhere.
Mortgage payment
Your monthly payment by rate, amortization and frequency — with default insurance and the balance left at the end of your term.
Estimate my paymentWhat can I afford?
The price range your income and down payment support, qualified at the federal stress-test rate — with the payment you'd actually make.
See my rangeLand transfer tax
Ontario 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 taxInsurance & cash to close
Whether 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 closingRefinance break-even
Estimate 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?Rent affordability check
See what percentage of your earnings a potential lease takes, and find your comfortable baseline.
Check a rentWhen the numbers feel right, bring them to us.
Bring us the numbersThese 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.