Financial Calculators

Your monthly mortgage payment is the foundation of your housing budget. This calculator shows exactly what you'll pay each month, how much goes to interest vs. principal, and the total cost over your amortization period — so you can compare rates, terms, and down payments before committing.

Knowing your max purchase price before house hunting saves time and prevents disappointment. This calculator uses the standard 32% GDS ratio — the guideline most Canadian lenders follow — to estimate how much home your income and down payment can support.

Closing costs are the hidden expense that catches many buyers off guard — typically 1.5–4% of the purchase price on top of your down payment. This calculator breaks down land transfer tax, legal fees, inspections, and insurance by province, including Toronto's double tax.

If your down payment is under 20%, Canadian law requires mortgage default insurance (CMHC or private equivalent). This premium is added to your mortgage and affects your total cost. This calculator shows the premium tier based on your down payment and how it impacts monthly payments.

At renewal — typically every 5 years — you can renegotiate your rate, and a small rate change compounds over the remaining amortization. This calculator compares your current and new rates to show the payment difference and total interest impact.

Property taxes vary widely across Canadian municipalities and significantly affect your monthly carrying cost. This calculator uses current residential tax rates for 33 cities across all provinces so you can compare locations and budget accurately.

Return on investment tells you whether a rental property is actually profitable after all costs. This calculator factors in purchase price, rent, expenses, and vacancy to show your cap rate and monthly cash flow — the metrics investors use to compare opportunities.

Cap rate is the universal metric for comparing income properties regardless of financing. It shows the unlevered return based on net operating income vs. purchase price — so you can compare a $400K condo to a $2M commercial building on equal footing.

Positive cash flow is what keeps an investment property sustainable month-to-month. This calculator subtracts mortgage, taxes, insurance, maintenance, and vacancy from rental income to show whether you'll pocket money or feed the property each month.

Rental yield expresses your annual rental income as a percentage of property value — a quick way to compare investment returns across properties of different prices. Gross yield ignores expenses; net yield accounts for them for a truer picture.

Home equity grows from two sources: paying down your mortgage and property appreciation. This calculator projects both over 5 and 10 years so you can see your future net worth — useful for planning upgrades, refinancing, or retirement timing.

Flipping looks simple — buy low, sell high — but renovation costs, carrying costs, and closing fees eat into profit fast. This calculator factors all of these to show your true ROI and net profit, so you know if a flip is worth the risk before you buy.

Pre-construction assignments let you profit from appreciation before the building is even finished — but deposits, assignment fees, and timing all affect returns. This calculator shows your net profit and ROI on an assignment sale so you can decide whether to hold or flip.

Commercial lenders care about Debt Service Coverage Ratio (DSCR), not just personal income. This calculator shows whether a property's income can cover its debt — the key metric that determines if you'll qualify and at what terms.

For businesses, the lease-vs-buy decision affects cash flow, taxes, and equity. This calculator compares the total cost of leasing vs. purchasing your business premises, factoring in rent escalation, mortgage amortization, and property appreciation.

In a Triple Net (NNN) lease, the tenant pays base rent plus taxes, insurance, and maintenance — but understanding the full cost is critical. This calculator breaks down your total occupancy cost so tenants and landlords can negotiate with clarity.

Land development can be highly profitable — or a money pit. This calculator projects total project cost (land, hard costs, soft costs), expected revenue, and profit margin so you can assess feasibility before committing capital.

Small businesses are typically valued on a multiple of Seller's Discretionary Earnings (SDE), not revenue. This calculator applies industry-standard multiples to show a realistic valuation range — essential for buyers, sellers, and lenders.