Mortgage calculator
The full monthly cost of a home — mortgage, property tax, condo fees and utilities — with Canadian semi-annual compounding.
Free calculators
Work it out before you decide.
Sixteen calculators for buying, selling, pre-construction and renovating in Halton and the West GTA. All free, no sign-up — they run in your browser and nothing you type is stored.
Money
What a home costs, what you need in cash, and what you can borrow.
CMHC insurance calculator
Less than 20% down: the insurance premium, the tax you pay in cash at closing, what it costs over the life of the mortgage, and what a bigger down payment saves.
Carrying cost
Mortgage, property tax, condo or POTL fee, heat and insurance in one number — with the CMHC premium and the stress test included.
Land transfer tax
Ontario land transfer tax bracket by bracket, with the first-time buyer rebate and Toronto's second municipal tax.
First-time buyer plan
A personalised plan to your first home: the total cash you need, FHSA and Home Buyers' Plan strategy, and a month-by-month timeline.
Sell first or buy first?
A reasoned recommendation on selling before you buy — your equity maths, bridge financing and the downside of each order.
Pre-construction
The deposits, the rebate and the comparison against buying resale.
Deposit schedule
A dated deposit calendar for a new build, plus the closing costs the price does not include.
HST rebate
What Ontario's HST rebate is worth on a new home — up to $130,000 for agreements signed 1 April 2026 to 31 March 2027 — and what an investor owes at closing.
Pre-con vs resale
New construction against a comparable resale home, across five scenarios from condo to detached to investor.
Selling & renovating
Getting a home ready to sell, and scoping and budgeting the work.
Listing prep plan
A week-by-week plan counting back from your list date — what to fix, what to skip and where the prep budget goes.
Renovation scope
A scope-of-work document to hand three contractors so their quotes are actually comparable.
Scope builder
A written project brief for any contractor: scope, exclusions, selections, allowances and the questions every quote must answer.
Renovate or sell as-is?
Selling as-is against renovating first — including contingency, carrying cost and selling costs.
Budget builder
Turn a contractor's quote into a real budget: unpriced allowances, permits, engineering and a contingency scaled to the job.
What's in my house?
Enter the year a home was built and see what that era typically contains — asbestos, radon, mould, Kitec, poly-B, knob-and-tube.
Do I need a permit?
Which renovation work typically needs a permit in Halton, which usually does not, and what to confirm with your municipality.
Not sure where to start?
Tell me where you are and I will point you to the right one.
Or skip the calculators and send me the property — I will run the real numbers, including what the home is likely to need.