The price is only the start of a property decision. Closing costs, taxes, upkeep and the choice between renting and owning all shape what a home really costs you. These real estate calculators put a number on each piece, so you don’t have to guess at what you’ll really pay.
Buyers can open the rent vs buy calculator first, then price the move with the closing costs calculator.
What helps tenants and owners?
- Cap Rate Calculator
Work out the capitalization rate of a rental property from its rent and operating costs.
- Rental Property Calculator
Estimate cash flow, cap rate and total return on a rental property with a mortgage.
- Real Estate Commission Calculator
Add up the commission on a home sale for both agents, with GST or HST.
- Property Tax Calculator
Estimate yearly property tax from the assessed value and your rate or mill rate.
- Closing Costs Calculator
Estimate the cash you need at closing: land transfer tax, CMHC sales tax, legal fees and more.
- Rent vs Buy Calculator
Compare the wealth you build by renting and investing with the wealth you build by owning a home.
- Rent Increase Calculator by Province
Find the highest rent increase allowed in your province or territory, the notice needed, and the new rent.
- Home Sale Net Proceeds Calculator
See what you keep after selling a home: commission, tax on it, legal fees and the mortgage payoff.
- Cash-on-Cash Return Calculator
Measure the yearly cash a rental returns compared with the cash you put in.
- How Much Rent Can I Afford Calculator
Find how much rent fits your income at shares of 25% to 40%, with a warning when your debts are heavy.
- Condo Ownership Cost Calculator
Add up the monthly cost of owning a condo: mortgage, fees, property tax, insurance and utilities.
- BRRRR Calculator
Test a BRRRR deal: buy, renovate, rent, refinance and repeat, with cash left in the deal and cash flow after the refinance.
- House Flipping Calculator
Work out the profit on a house flip after renovation, loan costs, selling costs and income tax.
- Land Loan Calculator
Estimate the payment, balloon balance and cash needed for a land loan with a term shorter than the amortization.
- Square Footage Calculator
Add up the square feet and square metres of a home from its rooms, with price per square foot and material cost.
- Home Value Calculator
Estimate the value of a home from comparable sales and price per square foot, with an adjustment and a range.
- Home Appreciation Calculator
Find the yearly appreciation rate of a home, the rate after inflation and its projected future value.
Tenants can test a budget with the rent affordability tool and check the legal limit in the rent increase calculator. Owners can add up yearly costs with the property tax and condo ownership cost tools, then follow value on the home value and appreciation pages.
Selling? You’ll want to know what’s left after fees. The home sale proceeds calculator and the commission calculator show you.
Which tools suit investors?
Rental owners compare deals with the rental property calculator, the cap rate and the cash-on-cash return. Strategy tools include the BRRRR and house flipping calculators, plus the land loan page. Need to measure space? Use the square footage calculator.
No two properties match. Treat the output as a first screen, and check it against local numbers before you put an offer in, because a spreadsheet won’t know what your street is like.
How far can I trust the results?
Run each deal twice, once hopeful and once cautious, and don’t fall for the hopeful one. Raise the vacancy, cut the rent, add repairs, and see whether the numbers still work. Taxes, insurance and condo fees vary from building to building, so swap the defaults for real quotes.
Frequently asked questions
What extra costs come on top of the price?
Transfer tax, legal fees, title insurance, adjustments and the move. The closing costs tool totals them for your province.
Is renting always cheaper than buying?
Not always. It turns on price, rent, rates and how long you stay, and the rent vs buy tool compares the two.
What's a good cap rate?
There's no single answer. It varies by city and property type, so compare it with similar listings.
Do rent limits apply everywhere?
No. Each province sets its own rules, and some units are exempt.
Information only. This page is general information, not tax, legal or accounting advice. Tax-Services.ca is an independent publisher: we don't prepare or file tax returns or offer tax services, and we have no connection with the CRA, Revenu Québec, any government or any company named on this page. Check the figures that matter with an official source or a qualified professional.