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Ontario Calculators

Know Your Numbers
Before You Move

Mortgage payments, affordability, closing costs, and rent-versus-buy modelling in one cleaner workspace. Built for Ontario buyers, sellers, and investors.

4
planning tools
ON
tax logic
0
email required

Know Your Numbers

Ontario Real Estate
Calculators

Four tools built for Ontario buyers, sellers, and investors. Instant estimates. No email required.

Mortgage payment

Model the monthly payment, insured-mortgage note, total interest, and OSFI stress-test qualification point.

$750K
$100K$3.00M
20% ($150K)
5% ($38K)50% ($375K)
Monthly payment
$3,335
Principal and interest estimate
Total$1.00M
Principal$600,000 (60%)
Interest$400,497 (40%)
Loan amount$600,000
Down payment$150,000 (20%)
Total interest$400,497
Total paid$1,000,497
Stress-test payment$4,051 at 6.50%
OSFI stress testYou would typically need to qualify at 6.50%, the higher of 5.25% or your contract rate plus 2%.
See homes near this payment

Estimates only. Not financial, mortgage, legal, or tax advice. Confirm figures with a licensed mortgage professional and real estate lawyer.

Planning Flow

Use the tools
in sequence

Request Market Context
01

Mortgage Payment

Estimate monthly principal, interest, insurance, taxes, and carrying costs.

02

Affordability

Model purchase range using income, debt, down payment, and stress-test logic.

03

Land Transfer Tax

Calculate Ontario LTT, Toronto MLTT, and first-time buyer rebate impact.

04

Rent vs. Buy

Compare rent, ownership cash flow, equity, and long-term hold assumptions.