Canadian Calculators for Toronto and Ontario Residents

This is the starting point for people who live in Toronto or elsewhere in Ontario and want a clear number before they decide. The tools cover buying a home, paying tax, checking a paycheque, planning savings and estimating City fees.

Buyers often open the mortgage calculator and the land transfer tax calculator together. Workers can check pay with the take-home pay calculator. Families planning for the year can use the Canada Child Benefit calculator, and anyone weighing a move can try the Toronto cost of living calculator.

If a rule is unclear, read a guide first. The Ontario mortgage guide and the Ontario income tax guide explain the rules in plain words before you run the numbers.

Results appear as you type, so it is easy to test a few what-if cases, such as a larger down payment or a lower salary. Each page can be printed as a one page summary to take to a bank, an accountant or a family meeting.

Every calculator names its source, usually the CRA, the Ontario government or the City of Toronto. We check the figures once a year and after any official change.

Mortgage Calculators for Canada and Ontario

• Mortgage Payment Calculator Work out your mortgage payment, CMHC insurance premium, total interest and payoff time for a Canadian mortgage.
• Mortgage Amortization Schedule Calculator See your mortgage payment, total interest and a year-by-year amortization table.
• Mortgage Prepayment Calculator Estimate the interest and time you save by prepaying your mortgage.
• Mortgage Affordability Calculator Estimate the most home you can afford from your income, debts and down payment.
• Mortgage Refinance Calculator Compare your mortgage with a refinance after penalty and fees.
• CMHC Mortgage Insurance Calculator Estimate the CMHC premium, the sales tax due at closing and your total loan.
• HELOC Calculator Find how much a home equity line of credit could give you and what it costs.
• Mortgage Renewal Calculator See your new mortgage payment at renewal and how it changes.
• Mortgage Penalty Calculator Estimate the penalty to break a fixed or variable mortgage.
• Mortgage Stress Test Calculator Find the qualifying rate, payment and income under the mortgage stress test.
• Fixed vs Variable Mortgage Calculator Compare the interest cost of fixed and variable mortgages under three rate paths.
• Mortgage Pre-Approval Calculator Estimate the mortgage a lender may pre-approve from income, debts and down payment.

Real Estate Calculators for Buyers and Investors

• 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.

Income Tax Calculators for Canada and Ontario

• Canadian Income Tax Calculator Estimate federal and Ontario income tax for 2026.
• Tax Refund Calculator Estimate your 2026 tax refund or balance owing from your T4.
• GST / HST Calculator Add or remove GST and HST for any province or territory.
• Tax Deductions and Credits Calculator See how much RRSP, child care, tuition and donations lower your federal and Ontario tax.
• Marginal Tax Rate & Tax Brackets Calculator Find the combined federal and Ontario marginal tax rate for 2026.
• Dividend Tax Calculator Work out the Ontario tax on eligible and non-eligible dividends, with the gross-up and credits.
• Capital Gains Tax Calculator Estimate the Ontario tax on a capital gain.
• PST / QST Sales Tax Calculator Add or remove PST, RST or QST with the GST.
• Self-Employed Tax Calculator Estimate income tax and both halves of CPP on self-employed income in Ontario.

Salary and Paycheque Calculators for Ontario

• Payroll Deductions Calculator Estimate the CPP, EI and income tax taken from each paycheque in Ontario.
• Take-Home Pay Calculator Find your take-home pay after tax, CPP and EI in Ontario, or the salary you need.
• Hourly to Salary Calculator Convert an hourly wage to a yearly, monthly and weekly salary, or the reverse.
• Salary Increase Calculator See your new salary and how much of a raise you keep after tax.
• Overtime Pay Calculator Work out Ontario overtime pay at 1.5 times after 44 hours.
• Holiday Pay Calculator Work out Ontario public holiday pay and the premium for working the day.
• Bonus Tax Calculator See how much of a bonus you keep after Ontario tax, CPP and EI.
• Sales Commission Calculator Work out commission with a target and a higher rate above it.
• Vacation Pay Calculator Work out Ontario vacation pay at 4% or 6% of wages.
• Severance Pay Calculator Estimate Ontario termination pay and severance pay under the Employment Standards Act.

Government Benefit Calculators for Canadian Families

• Canada Groceries and Essentials Benefit Calculator Estimate the Canada Groceries and Essentials Benefit, the GST/HST credit replacement, for July 2026 to June 2027.
• CPP Retirement Pension Calculator Estimate your CPP retirement pension by years worked, earnings and start age.
• OAS Calculator Estimate your Old Age Security pension and any recovery tax.
• Employment Insurance (EI) Calculator Estimate your weekly EI regular benefit and the total you could receive.
• Maternity & Parental Leave Pay Calculator Estimate EI maternity and parental benefits for the standard and extended options.
• Canada Child Benefit (CCB) Calculator Estimate your Canada Child Benefit for July 2026 to June 2027.
• Child Support Calculator Estimate the Ontario table amount of child support from income and the number of children.
• Ontario Trillium Benefit Calculator Estimate the Ontario Trillium Benefit: sales tax credit, energy and property tax credit and the Northern Ontario credit.
• Spousal Support Calculator Find the Spousal Support Advisory Guidelines range for amount and duration, with or without dependent children.

Savings and Retirement Calculators for Canadians

• Interest Calculator (Simple & Savings) Work out simple or compound interest on any amount.
• Compound Interest Calculator See how savings grow with compound interest and monthly contributions.
• Retirement Calculator Estimate your savings at retirement and the income they could pay.
• RRSP Calculator Estimate the tax an RRSP contribution saves you in Ontario and how it can grow.
• GIC Calculator Work out the value of a GIC at maturity with simple or compound interest.
• Net Worth Calculator Add up your assets and debts to see your net worth.
• Monthly Budget Calculator Plan a monthly budget and see what is left over.
• TFSA Calculator Find your TFSA contribution room and see tax-free growth.
• FHSA Calculator See how an FHSA can grow and what the deduction is worth.

Savings and Retirement Calculators for Canadians

• Toronto Cost of Living Calculator Add up your monthly and yearly living costs in Toronto: rent, utilities, transit, food and lifestyle.

Loan and Debt Calculators for Canadian Borrowers

• Car Loan Calculator Work out a car loan payment with sales tax, down payment and trade-in.
• Personal Loan Calculator Work out a personal loan payment and the total cost of borrowing.
• Credit Card & Debt Payoff Calculator See how long a credit card balance takes to pay off and what extra payments save.
• Line of Credit Calculator See the interest and payoff time on a line of credit.

Everyday Math Calculators for Money and Shopping

• Percentage Calculator Work out percentages, percentage change and add or subtract a percent.
• Profit Margin & Markup Calculator Work out profit margin and markup, or the price for a target margin.
• ROI & Payback Calculator Work out return on investment, yearly return and payback period.
• Discount & Sale Price Calculator Work out a sale price after a discount and the sales tax on it.

Toronto Fees and Services Calculators for Residents

• Toronto Water and Waste Bill Calculator Estimate the yearly Toronto water, wastewater and garbage bin bill at 2026 rates.
• Toronto Development Charges Calculator Look up the Toronto development charge per unit and the 2026 to 2029 reduction.
• Toronto Short-Term Rental Calculator Work out income from a Toronto short-term rental after the registration fee and the 6% tax.
• Toronto Parking Cost Calculator Compare hourly parking in Toronto with a monthly permit and the TTC fare cap.
• Toronto Pet Licence Fee Calculator Find the yearly cost of Toronto dog and cat licences, with senior and spay or neuter rates.

Ontario Housing Calculators for Renters and Owners

• Ontario NRST Calculator Calculate the 25% Ontario Non-Resident Speculation Tax and the land transfer tax on a home.
• How Much Rent Can I Afford Calculator Find how much rent fits your income, using shares of 25% to 40% and your monthly debts.
• Toronto Land Transfer Tax Calculator Work out the Toronto municipal land transfer tax and the first-time buyer rebate on a home.
• Condo Ownership Cost Calculator Add up the monthly cost of owning a condo: mortgage, fees, property tax, insurance and utilities.

Ontario Work and Family Calculators for Residents

• Ontario Minimum Wage Calculator Turn the Ontario minimum wage into weekly, yearly and take-home pay, with overtime after 44 hours.
• TTC Fare Cap Calculator See your monthly TTC cost under the 47-trip fare cap for adult, youth and senior fares.
• RESP and CESG Grant Calculator Estimate an RESP with the 20% Canada Education Savings Grant, carry-forward room and growth.
• Ontario Child Care Cost Calculator Work out Ontario child care cost after the deduction, with the $22 a day fee cap for reference.

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