Canadian Property Investment Calculators
Free financial tools built for Canadian real estate investors. Analyze mortgage payments, rental cash flow, land transfer tax, and investment returns with rules specific to Canada.
Rental Property Calculator
Analyze Canadian rental property investments with month-by-month cash flow projections, CMHC insurance, land transfer tax for all provinces, equity tracking, and optimal sale timing.
- Canadian mortgage (semi-annual compounding)
- CMHC insurance & tiered down payments
- Land Transfer Tax — all 13 provinces
- Annualized return & optimal sale window
- 3 interactive charts
Mortgage Comparison
Compare up to 4 mortgage scenarios side-by-side. Analyze different rates, amortizations, payment frequencies, and extra payments to find the optimal strategy.
- Up to 4 side-by-side scenarios
- Extra payment & interest savings
- Amortization schedule & charts
- CMHC insurance auto-calculation
Land Transfer Tax
Calculate land transfer tax for any Canadian province with detailed bracket breakdowns, municipal taxes, and first-time home buyer rebates.
- All 13 provinces & territories
- Toronto & Montreal municipal LTT
- First-time home buyer rebates
- Detailed bracket breakdown
BRRRR Calculator
Model the Buy, Rehab, Rent, Refinance, Repeat strategy with cash-out analysis, equity creation tracking, and multi-year projections.
- Full BRRRR phase analysis
- Cash-out refinance modeling
- Equity creation tracking
- Year-by-year ROI projections
Affordability Calculator
Find out how much home you can afford based on Canadian mortgage stress test rules, GDS/TDS ratios, and your financial profile.
- Canadian stress test (B-20)
- GDS & TDS ratio analysis
- Co-applicant income support
- CMHC insurance & LTT included
Why Use Canadian-Specific Property Investment Calculators?
Canadian real estate operates under unique rules that generic calculators miss. Mortgages in Canada use semi-annual compounding — not monthly compounding like in the United States. Down payment requirements are tiered: 5% for the first $500,000 of purchase price, 10% between $500,000 and $999,999, and 20% for properties at or above $1,000,000. If your down payment is less than 20%, you must pay CMHC mortgage default insurance, which adds 2.8% to 4.0% to your mortgage balance.
PropCalc was built from the ground up with these Canadian rules baked in. Every calculator factors in provincial land transfer tax, CMHC insurance, and the federal B-20 stress test so you get accurate numbers — not approximations based on US mortgage math.
Tools for Every Stage of Your Investment Journey
Getting started? Use the Affordability Calculator to find out how much home you can afford based on your income and the Canadian mortgage stress test. Then check closing costs with the Land Transfer Tax Calculator for your province.
Comparing financing options? The Mortgage Comparison Calculator lets you put up to 4 mortgage scenarios side-by-side — different rates, amortizations, payment frequencies, and extra payments — to find the strategy that saves you the most.
Evaluating rental properties? The Rental Property Calculator provides month-by-month cash flow projections, cap rate, cash-on-cash return, DSCR, equity tracking, and annualized return analysis over a 25-year horizon.
Looking at value-add deals? The BRRRR Calculator models the Buy, Rehab, Rent, Refinance, Repeat strategy end-to-end, showing you equity created, cash left in the deal, and multi-year ROI projections.
Frequently Asked Questions
- What Canadian mortgage rules are built into these calculators?
- All calculators use Canadian-specific mortgage math including semi-annual compounding (required by law for fixed-rate mortgages), CMHC insurance tiers (4.0%, 3.1%, 2.8% based on down payment), tiered minimum down payments (5% up to $500K, 10% from $500K–$999K, 20% over $1M), maximum 25-year amortization for insured mortgages, and the B-20 stress test for qualification.
- Which provinces are supported for land transfer tax calculations?
- All 13 Canadian provinces and territories are supported: Ontario, British Columbia, Alberta, Quebec, Manitoba, Saskatchewan, New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador, Northwest Territories, Nunavut, and Yukon. Municipal land transfer taxes for Toronto and Montreal are also included, along with first-time home buyer rebates where applicable.
- Are these property investment calculators free to use?
- Yes, all PropCalc calculators are completely free to use with no sign-up required. Calculations run entirely in your browser — no data is sent to any server. You can analyze as many properties and scenarios as you like.
- How accurate are the mortgage and investment calculations?
- The calculations follow official Canadian mortgage standards including semi-annual compounding, current CMHC insurance rates, and provincial land transfer tax brackets. Results are intended for planning and analysis purposes. For binding financial decisions, always consult a licensed mortgage broker or financial advisor.