Property tools & calculators

Mortgage Payment Calculator Canada — Monthly Payments & Amortization

Calculate your exact monthly mortgage payment for Canadian properties. Enter purchase price, down payment, and rate — our calculator handles semi-annual compounding automatically. Includes CMHC insurance, full amortization schedule, and extra-payment savings. Free.

Amortization Schedule Calculator

Generate a full amortization schedule with principal, interest, and balance by month.

Ontario Rent Increase Calculator 2025 & 2026 — Guideline Check

Is your rent increase legal in Ontario? Enter your current rent and proposed increase — we instantly check it against the 2025 and 2026 Ontario rent increase guideline, show the dollar amount, and link to LTB dispute forms. Free.

Security Deposit Calculator

Check if a security deposit amount is legal and calculate allowable interest earned.

Prorated Rent Calculator

Calculate the prorated rent for a partial month.

Mortgage Affordability Calculator Canada — GDS/TDS & DTI

Find out how much home you can afford in Canada or the US. Enter income, debts, and down payment — we calculate your maximum purchase price using GDS/TDS ratios (Canada) or DTI (US) and show whether you qualify. Free.

Cap Rate Calculator — Rental Property Capitalization Rate

Calculate the cap rate (capitalization rate) for any rental property in Canada or the US. Enter purchase price, gross rent, vacancy, and expenses — get your cap rate, NOI, and Gross Rent Multiplier instantly. Free.

Rental Property Cash Flow Calculator — Monthly & Annual

Calculate monthly and annual cash flow for any rental property. Enter rent, vacancy, mortgage, taxes, insurance, and maintenance — get your net cash flow and NOI instantly. Works for Canadian and US investment properties. Free.

Land Transfer Tax Calculator — Ontario & Toronto 2025 & 2026

Calculate Ontario land transfer tax instantly — including the Toronto municipal LTT and first-time buyer rebates. Enter your purchase price and city to see your exact net tax after rebates. Updated for 2025 and 2026 rates. Free.

Cash-on-Cash Return Calculator — Real Estate ROI

Calculate your cash-on-cash return on any rental property investment. Enter down payment, closing costs, rehab, and annual net cash flow — get your CoC return and monthly cash flow. Used by Canadian and US real estate investors. Free.

CMHC Mortgage Insurance Calculator — Premiums & Monthly Cost

Calculate your CMHC mortgage insurance premium (Canada) or PMI cost (US) based on your down payment. See the total premium, how much is added to your mortgage, and the monthly impact. Free.

DSCR Calculator — Debt Service Coverage Ratio for Rental Loans

Calculate your DSCR (Debt Service Coverage Ratio) to see if a rental property qualifies for a DSCR loan. Most lenders require ≥ 1.25. Enter rent, expenses, and mortgage payment — get your ratio and qualification status instantly. Free.

IRR Calculator (Internal Rate of Return)

Calculate the Internal Rate of Return for any real estate investment using custom cash flows.

Short-Term Rental Revenue Estimator

Estimate annual Airbnb / VRBO revenue based on ADR and occupancy rate.

Short-Term Rental vs Long-Term Rental Calculator — Canada & US

Compare Airbnb short-term rental income vs traditional long-term rent for the same property. Enter your ADR, occupancy, platform fees, and expenses — see which strategy earns more and the exact occupancy where STR breaks even. Free.

Rental Property Depreciation Calculator — CCA (Canada) & MACRS (US)

Calculate your annual depreciation deduction for a rental property. Canadian investors: get your CCA (Class 1, 4% declining balance). US investors: get your MACRS straight-line deduction over 27.5 years. Free.

Closing Cost Calculator Canada — Estimate All Buying Costs

Estimate every closing cost when buying a home in Canada or the US — land transfer tax, legal fees, home inspection, title insurance, and moving costs. Know your total upfront costs before you make an offer. Free.

Rent-to-Income Ratio Calculator

Calculate the rent-to-income ratio to screen tenants or assess your own affordability.

Rental Price Estimator

Estimate market rent for any Canadian property based on city, bedrooms, and unit type.

Rent vs Buy Calculator — Should You Rent or Buy a Home?

Should you rent or buy? Compare your net worth after 5, 10, or 25 years of renting vs owning the same home. Accounts for mortgage paydown, appreciation, closing and selling costs, rent increases, and what a renter earns investing the difference. Free.

Moving Cost Calculator — Local & Long-Distance Estimates

Estimate your moving costs for a local or long-distance move. Choose home size, distance, and DIY vs full-service — get a realistic low/expected/high budget range including packing, supplies, storage, and specialty items. Free.

Generator Size Calculator — What Size Generator Do I Need?

What size generator do you need for your home? Select the appliances you want to power during an outage — fridge, sump pump, furnace, well pump, AC — and get the exact running watts, peak surge watts, and recommended generator size. Free.

Insulation Payback Calculator — Is Adding Insulation Worth It?

Is upgrading your attic insulation worth it? Enter your area, current and target R-value, climate, and fuel cost — see your annual heating savings, total project cost, and payback period in years. Works for gas, electric, oil, and propane heat. Free.

Heat Pump vs Furnace Calculator — Operating Cost & Payback

Should you replace your gas furnace with a heat pump? Enter your annual gas heating cost, local gas and electricity prices, and installation quotes — see the heat pump's annual operating cost, your yearly savings, and the payback period after rebates. Free.