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The true cost of your home, calculated live.
23 Ontario calculators — buyer tools from FHSA savings to land transfer tax, mortgage, HST and closing costs, plus practice tools for probate, construction liens, power of sale, Rule 49 and personal-injury mediation. Every calculation runs entirely in your browser; nothing is stored or transmitted.
Calculator SuiteFor home buyers Real estate & estates Litigation & mediation Client tools
Every number, from first deposit to the files on your desk.
Buying a first home.
FHSA StackerFirst Home Savings AccountLive
Project how FHSA contributions build your down payment with tax-free growth — held to the $8,000/yr and $40,000 lifetime limits.Open tool →Deposit PlannerSave for the Down PaymentLive
How long to reach your down-payment goal at your current savings rate, with growth.Open tool →Buyer ReadinessRough Preparedness ScoreLive
A quick gauge of financial readiness from income, savings, debt and credit. For a stress-tested maximum price, use the Affordability calculator.Open tool →Rebate & Program FinderWhich Programs May ApplyLive
Answer a few questions to see which first-home programs may apply — and jump to the calculator that prices each. Not an eligibility ruling.Open tool →LTT RebateLand Transfer TaxLive
Provincial and Toronto land transfer tax, with first-time buyer rebates applied.Open tool →MortgageMonthly PaymentLive
Payments on Canada's semi-annual compounding, with default insurance folded in under 20% down.Open tool →AffordabilityStress TestLive
Maximum purchase price under the federal stress test and the 39% / 44% debt-service limits.Open tool →Down PaymentCMHC InsuranceLive
Minimum down payment, default-insurance premium, and the Ontario PST payable in cash at closing.Open tool →HST RebateNew-Home RebateLive
The settled New Housing Rebate on a new build. Two larger programs are flagged as in transition, not assumed.Open tool →Closing EstimatorBuying / SellingLive
Cash to close on a purchase, or net proceeds on a sale — with your firm's legal fee, land transfer tax, and every closing cost.Open tool →FTHB EligibilityFirst-Time Buyer CheckLive
Check whether you qualify for the Ontario (and Toronto) land transfer tax first-time buyer refund — ownership history, citizenship, age, and spousal timing.Open tool →Pre-Con vs ResaleCompare Your OptionsLive
Weigh a pre-construction purchase against an existing home across timeline, deposit and rebate eligibility. A directional guide, not advice.Open tool →Pre-Con TimelineDeposit & Closing MapLive
Map the deposit and closing milestones of a pre-construction purchase — with the right path for a condo versus a freehold.Open tool →Development ChargesMunicipal LeviesLive
Put the development charge from your builder or municipality in context — as a share of price and as cash due at permit that cannot be mortgaged.Open tool →Practice tools.
Estate Administration TaxOntario ProbateLive
Estimate Ontario Estate Administration Tax (probate tax) on the value of an estate, with real-property encumbrances deducted.Open tool →Construction Lien ClockHoldback & DeadlinesLive
Basic 10% holdback and the lien preservation and perfection deadlines under Ontario's Construction Act, calculated from your trigger date.Open tool →Power of Sale WorksheetSurplus / ShortfallLive
Project the surplus or shortfall on a power of sale after the secured payout, other encumbrances and enforcement costs — every figure entered by you.Open tool →Personal injury.
Rule 49 Cost RiskOffer to SettleLive
Whether the Rule 49.10 cost consequences attach, given who made the offer and how the judgment compares. Enter your own cost figures — no assumed penalty.Open tool →All-Inclusive BreakoutSettlement Take-HomeLive
Break an all-inclusive personal-injury settlement into legal fees, HST and disbursements to show the client's net recovery.Open tool →Judgment UpdaterCPI Inflation AdjusterLive
Restate a past damages award in today's dollars using Statistics Canada Consumer Price Index values you enter.Open tool →Prejudgment InterestOntario PJILive
Simple prejudgment interest on a damages award from the date of loss to judgment, at a rate you set.Open tool →Pierringer AnalysisProportionate SettlementLive
Model a Pierringer settlement: the settling defendant's several share, and what remains recoverable from the non-settling defendants.Open tool →Days BetweenDate CalculatorLive
Exact duration between two dates — for limitation periods, benefit periods and per-diem calculations.Open tool →