The toolkit

Real numbers, calculated instantly.

Every tool runs entirely in your browser. Nothing is sent to a server — your numbers stay yours. Built on current Ontario rules: OSFI B-20 stress test, CMHC premiums, and 2024 LTT brackets.

Mortgage

Canadian semi-annual

Home price

Down payment %

Interest rate

Amortization (yrs)

Estimated monthly$5,754

Down payment: $250,000
Minimum required: $100,000
Loan (incl. CMHC): $1,000,000
CMHC premium: $0
Total interest: $726,077
Total of payments: $1,726,077

Land Transfer Tax

Ontario 2024

Purchase price

Location

I'm a first-time home buyer (eligible for rebate)

Total LTT due$21,475

Provincial LTT: $21,475

Affordability

B-20 stress test

Household income (gross)

Other monthly debts

Contract rate

Amortization (yrs)

Down payment %

Approx. max home price$910,057

Stress-test rate: 6.89%
Max monthly payment: $5,050
Max qualifying mortgage: $728,046

Estimate only — lenders also assess credit, employment, and property condition.

Cap Rate & Cash-on-Cash

Investment

Purchase price

Gross rent (monthly)

Vacancy

Operating expenses (annual)

Down payment %

Rate

Cap rate

5.45%

Cash-on-cash

0.98%

DSCR

1.07

NOI (annual): $130,780
Mortgage / month: $10,214
Annual cash flow: $8,212
Cash invested (down): $840,000