Know your numbers
Ontario Real Estate & Mortgage Calculators
Make informed financial decisions with our comprehensive suite of calculators. From mortgage planning to selling costs, we've got you covered.
Buying
Plan your purchase
Payments, what you can afford, the down payment, property tax and pre-construction deposits, with Ontario rules built in.
Mortgage Payment Calculator
Calculate your mortgage payments, cash needed to close, and monthly expenses with our comprehensive mortgage calculator.
- Payment calculations
- Land transfer tax
- CMHC insurance
Home Affordability Calculator
Calculate how much house you can afford based on your income, debts, and down payment.
- GDS/TDS and stress test
- Monthly payment breakdown
- CMHC premium
Down Payment Calculator
Determine how much you need to save for your down payment and explore different scenarios.
- Savings timeline
- Investment scenarios
- Government programs
Rent vs Buy Calculator
Compare the financial implications of renting versus buying a home in your area.
- Cost comparison
- Market analysis
- ROI calculations
Ontario Property Tax Calculator
Estimate annual property taxes with 2026 residential rates for Toronto, Mississauga, Brampton, Markham and Oakville, and editable estimates elsewhere.
- 2026 residential rates
- Multiple property types
- First-time buyer rebates
Pre-Construction Deposit Calculator
See every deposit payment and its date for a pre-construction home, from your price and signing day.
- Dated payments
- Common schedules
- Your builder's schedule
Ontario Land Transfer Tax Calculator
Ontario land transfer tax, Toronto's municipal tax inside the city, and first-time buyer refunds.
- Ontario and Toronto rates
- First-time buyer refunds
- Toronto page
CMHC Insurance Calculator
Mortgage default insurance premium, Ontario PST on it, and the minimum down payment for your price.
- Premium by loan-to-value
- 30-year amortization rule
- PST due at closing
FHSA and Home Buyers' Plan Calculator
How much an FHSA and the RRSP Home Buyers' Plan can add to a first-time buyer's down payment.
- FHSA limits
- HBP withdrawal and repayment
- One or two buyers
Selling
Plan your sale
What you walk away with, and what each selling cost adds up to on your price.
Net Proceeds Calculator
See what you walk away with after your mortgage, commission, legal fees and other selling costs.
- Your own commission rate
- Mortgage payout
- Closing costs
Realtor Commission Calculator
Work out listing and buyer agent commission, HST, staging, photos and legal fees on your sale price.
- Listing and buyer side
- HST on services
- Net to seller
A person, not a pop-up
Need help choosing the right calculator?
Our calculators are designed to help you make informed financial decisions. Each tool provides detailed calculations and insights tailored to your specific needs.
Coldwell Banker Summit Realty, Brokerage (905) 553-8500
