Run the numbers first
Real estate calculators
Clear, honest tools to help you understand the money side before you make a move. Pick where you are in your journey and see exactly what the numbers say. No sign-up, no catch.
Not sure where to start? Tell us what you are here for
01
For buyers
5 tools ready · more coming
See what you can afford, what a mortgage really costs, and whether buying beats renting yet.
Affordability calculatorSee the home price you can realistically afford.
First-time buyer benefits calculatorEvery 2026 program, and when each dollar actually reaches you.
Mortgage payment calculatorYour real monthly payment, plus how equity builds.
Land transfer tax calculatorYour exact Ontario and Toronto tax, plus first-time rebates.
Rent vs buy calculatorThe honest comparison, with the break-even year for your plans.
02
For sellers
4 tools ready · more coming
Work out your equity, your net proceeds, how much you could refinance, and the cost to break your mortgage early.
Home equity calculatorHow much of your home you own, and what you'd walk away with.
Net proceeds calculatorSee what you actually walk away with after a sale.
Refinance calculatorSee how much cash you could access by refinancing.
Mortgage break penalty estimatorAn honest estimate of the cost to break your mortgage early.
03
For investors
3 tools ready · more coming
Test cash flow, returns, and the numbers that decide whether a property is worth it.
Cash flow calculatorDoes a rental make or lose money each month, honestly.
Cap rate & ROI calculatorCompare properties, and see your real cash on cash return.
Rent vs. carrying cost calculatorDoes the rent cover the cost of holding the property?
DSCR calculatorDoes the building cover its loan, and how much its income can borrow.
Business purchase deal mathBuying a store or restaurant? What it really pays you, after a fair wage and the loan.
Jay Patel
REALTOR® · GTA
Free tools, no catch. When you'd like a real person to help you read the numbers, I'm one message away.