Rental property calculator
Quick cashflow, cap rate, and cash-on-cash on any rental — punch in price, rent, and expenses.
Mortgage payment calculator
Canadian semi-annual compounding, with CMHC default-insurance premiums baked in for low down payments.
Mortgage affordability calculator
How much house can you actually qualify for? Reverse-engineers the maximum purchase price from your income, debts, and the stress test.
Mortgage stress test calculator (B-20)
Will you qualify? Computes the OSFI B-20 qualifying rate, GDS/TDS ratios, and pass/fail vs. typical lender thresholds.
Rent vs buy calculator
Honest math on whether renting and investing the down payment beats buying — over your time horizon.
Cap rate & cash-on-cash calculator
Two of the cleanest signals on a rental — cap rate and cash-on-cash — from price, rent, and expenses.
Rental break-even calculator
How much rent does the property need to clear PITI and operating expenses? Get the floor, then the per-door target.
Closing costs calculator (Quebec)
Welcome tax + notary + inspection + adjustments — every fee due at and after closing on a Quebec purchase.
Welcome tax calculator (droits de mutation)
Quebec land transfer tax — provincial brackets plus the city-specific top tier (Montréal, Québec City, others).
GST / QST new-build rebate calculator
Federal GST and Quebec QST owed on a new-construction home, with the New Housing Rebate phase-outs.
Ontario land transfer tax calculator
Provincial land transfer tax for Ontario, plus the Toronto municipal LTT and the first-time buyer rebates.
BC property transfer tax calculator
British Columbia property transfer tax with brackets up to 5%, plus the first-time buyer exemption.
Alberta land registration fees calculator
Alberta has no land transfer tax — just modest registration fees. Compute your title transfer + mortgage registration fees here.
DSCR calculator (debt service coverage ratio)
Lender's go/no-go ratio for income properties. NOI ÷ debt service, with target thresholds by program.
BRRRR calculator
Buy, Rehab, Rent, Refinance, Repeat. Models initial cash, post-rehab refi cash-out, capital recovered, post-refi cashflow.
HELOC calculator (Canada)
Available equity, max line of credit at 65/80% LTV, monthly interest-only payment.
GRM calculator (gross rent multiplier)
Quick price-to-rent screen for income properties. Lower = cheaper relative to rent.
1%, 2%, 50% rule calculator
Quick screening rules of thumb: rent-to-price ratios and the 50% expense rule of thumb.
Quebec rent increase calculator (TAL)
Compute the suggested annual rent increase using the most recent TAL methodology — by heating type, with adjustments for major works and tax changes.