Real Estate Calculators for Buyers and Investors

This hub is for buyers, sellers and small landlords in Toronto and the rest of Ontario. It covers the money questions around property, including what closing will cost, whether renting is cheaper than buying and if a rental earns a fair return.

Buyers can begin with the land transfer tax calculator and the closing costs calculator. The rent vs buy calculator compares the two paths over time. Landlords can test a purchase with the rental property calculator, and owners of an empty home can use the Vacant Home Tax calculator.

Land transfer tax is often the largest surprise, so read the Ontario land transfer tax guide. Toronto owners facing a City bill for a vacant home should also see the Vacant Home Tax dispute guide.

Costs after the purchase matter as much as the price. Property tax, insurance, repairs and vacancy all reduce a landlord’s return, and agent fees and tax on a gain reduce what a seller keeps. Enter realistic figures rather than the best case.

Tax bands come from ontario.ca and toronto.ca. We check them once a year and whenever either government changes a rate.

Real Estate Calculators for Buyers and Investors on this site

• Land Transfer Tax Calculator Estimate Ontario and Toronto land transfer tax, first-time buyer rebates and the transfer charges in other provinces.
• Down Payment Calculator Find the minimum down payment for any Canadian home price and how your savings compare.
• Cap Rate Calculator Work out the capitalization rate of a rental property from its rent and operating costs.
• Rental Property Calculator Estimate cash flow, cap rate and total return on a rental property with a mortgage.
• Toronto Property Tax Calculator Estimate your annual City of Toronto property tax from your MPAC assessed value.
• Real Estate Commission Calculator Add up the commission on a home sale for both agents, with GST or HST.
• Closing Costs Calculator Estimate the cash you need at closing: land transfer tax, CMHC sales tax, legal fees and more.
• Rent vs Buy Calculator Compare the wealth you build by renting and investing with the wealth you build by owning a home.
• Ontario Rent Increase Calculator Work out the highest rent a landlord can ask for under the 2026 Ontario guideline.
• Toronto Vacant Home Tax Calculator Find the Toronto Vacant Home Tax on an empty home at 3% of its assessed value.
• Home Sale Net Proceeds Calculator See what you keep after selling a home: commission, tax on it, legal fees and the mortgage payoff.
• Cash-on-Cash Return Calculator Measure the yearly cash a rental returns compared with the cash you put in.
• BRRRR Calculator Test a BRRRR deal: buy, renovate, rent, refinance and repeat, with cash left in the deal and cash flow after the refinance.
• House Flipping Calculator Work out the profit on a house flip after renovation, loan costs, selling costs and income tax.
• Land Loan Calculator Estimate the payment, balloon balance and cash needed for a land loan with a term shorter than the amortization.
• Commercial Mortgage Calculator Estimate a commercial mortgage payment, debt service coverage and the largest loan the income supports.
• Square Footage Calculator Add up the square feet and square metres of a home from its rooms, with price per square foot and material cost.
• Home Value Calculator Estimate the value of a home from comparable sales and price per square foot, with an adjustment and a range.
• Home Appreciation Calculator Find the yearly appreciation rate of a home, the rate after inflation and its projected future value.

Articles and guides

• Land transfer tax in Ontario and Toronto Guide

Every calculator lists its sources. Read how the calculators work and our editorial policy.