Buying Costs
Land Transfer Tax Calculator
Toronto buyers pay two land transfer taxes. Calculate the exact combined amount — and see if you qualify for the first-time buyer rebate.
Use this toolClosing Costs Estimator
Land transfer tax, legal fees, title insurance, home inspection, and moving — see the full picture of what you'll actually pay at closing.
Use this toolCMHC Insurance Calculator
Putting down less than 20%? Calculate your mortgage insurance premium and see exactly how much it adds to your mortgage.
Use this toolHST New Build Rebate
Buying a new construction home in Ontario? Calculate your federal and provincial HST rebates — most buyers don't claim everything they're owed.
Use this toolFirst-Time Buyer Savings
RRSP Home Buyers' Plan, FHSA, and the federal tax credit — see exactly how much government money is available to you and how to access it.
Use this toolMortgage & Affordability
Home Affordability Calculator
What can you actually afford — including the stress test, property tax, utilities, and maintenance? See the real monthly cost of ownership and what rate increases would do to it.
Use this toolMortgage Stress Test
Canada's federal stress test is required for every insured mortgage. See what rate you'll be tested at and the maximum purchase price you qualify for.
Use this toolMortgage Payment Calculator
Monthly payment, total interest paid, and a full amortization breakdown. See exactly where your money goes over 25 years.
Use this toolRent vs Buy Calculator
Compare the true 5-year cost of renting against buying at today's Toronto prices. The answer isn't always what you'd expect.
Use this toolCondo Fee Impact Calculator
A $700/month maintenance fee costs you $130,000 in purchase price equivalent. See the real impact of condo fees on what you can actually afford.
Use this toolSellers & Investors
What Should I List My Home For?
See what comparable homes are listed at in your community right now. Select your neighbourhood, property type, and bedroom count to get live data.
Use this toolInvestment Property Calculator
Enter purchase price, down payment, rental income, and expenses. Get monthly cash flow, annual return, and cap rate for any Toronto investment property.
Use this toolNeighbourhood Comparison
Compare two GTA communities side by side — average listed price, price range, number of active listings, and property type breakdown.
Use this toolStay Informed
About these toolsAll calculators use current Ontario tax rates and federal mortgage rules as of 2026. Land transfer tax rates and CMHC premiums are set by government and updated here when they change. Listing price data is pulled from our live property feed and refreshed daily. These tools are for informational purposes — speak with a mortgage broker or lawyer before making any financial decisions.