Calculators
Run the numbers
Seven free calculators, updated for 2026 Ontario rules.
Rates today
- Bank of Canada rate
- 2.25%
- Prime rate
- 4.45%
- 5-year posted fixed
- 6.19%
Source: Bank of Canada · as of October 23, 2026
Mortgage payment calculator
Monthly payment
$0
- Down payment
- $0
- CMHC insurance
- $0
- Total mortgage
- $0
- Interest over the term of the loan
- $0
- Paid off in
- 25 years
Estimates only, for planning. Confirm numbers with a mortgage professional and a real estate lawyer before you buy.
Affordability calculator
You could afford up to
$0
- Maximum mortgage
- $0
- Payment at your rate
- $0
- Stress-test rate used
- 0%
- Limited by
- –
Estimates only, for planning. Confirm numbers with a mortgage professional and a real estate lawyer before you buy.
Land transfer tax calculator
Total land transfer tax
$0
- Ontario land transfer tax
- $0
- Toronto municipal land transfer tax
- $0
- First-time buyer rebates
- $0
Toronto's higher rates over $3M apply to deeds registered on or after April 1, 2026. Rebates: Ontario up to $4,000, Toronto up to $4,475.
Estimates only, for planning. Confirm numbers with a mortgage professional and a real estate lawyer before you buy.
CMHC insurance calculator
CMHC insurance premium
$0
- Minimum down payment
- $0
- Your down payment
- 0%
- Premium rate
- 0%
- Ontario PST on premium (paid at closing)
- $0
- Total mortgage with premium
- $0
Estimates only, for planning. Confirm numbers with a mortgage professional and a real estate lawyer before you buy.
Closing costs calculator
Cash needed on closing day
$0
- Down payment
- $0
- Land transfer tax (after rebates)
- $0
- PST on CMHC premium
- $0
- Legal, title, inspection, adjustments, moving
- $0
- Closing costs as % of price
- 0%
Buying new from a builder? Add development charge and Tarion adjustments, and ask about the new-home HST rebates.
Estimates only, for planning. Confirm numbers with a mortgage professional and a real estate lawyer before you buy.
Rent vs buy calculator
Buying comes out ahead by
$0
- Net worth if you buy
- $0
- Net worth if you rent and invest
- $0
- Owning cost, first month
- $0
- Home value at the end
- $0
Assumes the renter invests the down payment and closing costs, and whoever pays less each month invests the difference. Selling costs of 5% are deducted from the home.
Estimates only, for planning. Confirm numbers with a mortgage professional and a real estate lawyer before you buy.
Investment property calculator
Monthly cash flow
$0
- Cap rate
- 0%
- Cash-on-cash return
- 0%
- Net operating income (yearly)
- $0
- Mortgage payment (monthly)
- $0
- Debt service coverage
- 0.00
- Cash needed to buy
- $0
Rental properties need at least 20% down. CMHC doesn't insure 1–2 unit rentals.
Estimates only, for planning. Confirm numbers with a mortgage professional and a real estate lawyer before you buy.