Plan your numbers, quietly.
Free calculators that run entirely in your browser — nothing is sent anywhere, no sign-up. Estimates to plan with, not financial advice.
What will it cost?
Your monthly mortgage and the land-transfer tax on completion — including the City of Toronto’s municipal tax and first-time-buyer rebates where they apply.
Land-transfer brackets reflect Ontario’s provincial tax and the City of Toronto’s municipal tax (including the 2024 luxury bands above $3M) where the property is inside Toronto — which includes Scarborough, East York and Etobicoke. First-time-buyer rebates: up to $4,000 provincial and $4,475 Toronto. Estimates to plan with, not legal, tax or financial advice; this site does not provide automated property valuations.
What can I afford?
A planning estimate using the lender ratios Canadian banks actually apply — gross/total debt service limits and the federal mortgage stress test.
Uses CMHC limits — housing costs within 39% of gross income (GDS), all debts within 44% (TDS) — and the federal stress test (you must qualify at your rate + 2%, with a 5.25% floor). Includes a $150/month heat estimate and an illustrative 0.75% property-tax rate; it does not enforce minimum-down-payment or mortgage-insurance rules. A lender’s exact pre-approval will differ — treat this as a starting point, then talk to a mortgage professional.
Talk it through with Suba.
Calculators are a start — the next step is a real conversation about your timeline, the East GTA pockets that fit, and a strategy for getting there. No obligation.