Know your numbers before you move.
Updated for 2026: Ontario and Toronto land transfer tax, first-time buyer rebates, the mortgage stress test and insured mortgage rules.
Buyer closing cost calculator
Land transfer tax is due on closing day, on top of your down payment. Don't let it surprise you.
How much home can I afford?
Lenders qualify you at the stress-test rate: the higher of 5.25% or your rate plus 2%. This calculator does the same.
Seller net proceeds calculator
See roughly how much money you'd walk away with after selling.
Commission in Ontario is negotiable, and HST (13%) applies to it. Ask your lender for your exact prepayment penalty. Get a free evaluation of your home's value →
Rent vs. buy calculator
Compares your total wealth after a number of years. The renter invests the down payment and any monthly savings instead.
Assumes a 25-year mortgage, Ontario land transfer tax plus $2,000 in legal fees to buy, and about 5% in selling costs at the end. Change the growth and return rates to test different futures.
These calculators give estimates for general information only and are not financial, mortgage, legal or tax advice. Rates and rules can change, and lenders may use different limits. Land transfer tax rates: Ontario and City of Toronto, for transfers closing on or after April 1, 2026. Mortgage insurance premiums are approximate standard rates. Please speak with a mortgage professional and a real estate lawyer before you buy or sell.
Ready to see real homes in your budget?
Take our 2-minute Dream Home Match quiz and an agent will send you matching MLS® listings.