About PropCalc

PropCalc is a suite of free financial calculators purpose-built for the Canadian real estate market. Every calculation uses Canadian mortgage math — semi-annual compounding, CMHC insurance tiers, tiered down payment minimums, the B-20 stress test, and provincial land transfer tax for all 13 provinces and territories.

Why We Built This

Most mortgage and investment calculators online use US mortgage conventions — monthly compounding, no CMHC, no provincial transfer tax, no stress test. That produces inaccurate numbers for Canadian buyers and investors. PropCalc exists to give Canadians precise, locally-relevant answers without having to adjust for US-centric defaults.

Our Calculators

  • Rental Property Calculator — Analyze cash flow, cap rate, cash-on-cash return, DSCR, equity growth, and optimal sale timing for Canadian rental investments.
  • Mortgage Comparison Calculator — Compare up to 4 mortgage scenarios with different rates, amortizations, payment frequencies, and extra payments.
  • Land Transfer Tax Calculator — Detailed bracket breakdowns for all provinces, plus Toronto and Montreal municipal LTT and first-time buyer rebates.
  • BRRRR Calculator — Model the Buy, Rehab, Rent, Refinance, Repeat strategy with cash-out analysis and multi-year ROI projections.
  • Affordability Calculator — Find your maximum purchase price using B-20 stress test rules, GDS/TDS ratios, and CMHC insurance requirements.

Privacy and Trust

All calculations run entirely in your browser. No data is sent to any server. There are no accounts to create, no personal information collected, and no login required. PropCalc is ad-supported to keep the tools free for everyone.

Accuracy and Limitations

Our calculators follow official Canadian mortgage standards: semi-annual compounding (Interest Act of Canada), current CMHC insurance rates, and up-to-date provincial land transfer tax brackets. Results are for educational and planning purposes. For binding financial decisions, always consult a licensed mortgage broker, financial advisor, or real estate lawyer.

Learn More

Our real estate investing guides cover topics like rental property analysis, the mortgage stress test, BRRRR strategy, cap rates, land transfer tax, and more — all with Canadian-specific numbers and examples.