About RealCalculators.ca
Free tools. No sign-up. Canadian formulas.
RealCalculators.ca is a free Canadian real estate calculator platform built for home buyers, sellers, landlords, real estate agents, and investors across Canada.
Every calculator on this site is built specifically for Canadian rules — semi-annual mortgage compounding as required by the Interest Act, the OSFI mortgage stress test, provincial land transfer tax rates, CMHC insurance premiums, CRA tax rules for rental income and capital gains, and provincial rent increase guidelines.
Most online calculators are built for the US market and don't reflect how Canadian mortgages, taxes, or landlord rules actually work. We built RealCalculators.ca to fix that — one tool for every real estate decision a Canadian is likely to face.
What we offer
- Buyer tools — mortgage payments, affordability, closing costs, down payment
- Seller tools — net proceeds, commission, break-even price
- Decision tools — rent vs. buy, move-up, buy now vs. wait
- Landlord tools — cash flow, cap rate, ROI, CCA, capital gains, rent increase limits
- Agent tools — GCI goals, commission splits, HST, referral fees
- Finance tools — RRSP tax savings, Canadian retirement planning
Our commitment
All tools are free, require no account or email address, and are updated to reflect current Canadian rules and rates. Results are estimates for informational purposes — always consult a licensed professional before making financial decisions.
The site is based in Canada and operated by a Canadian real estate and finance enthusiast committed to making the numbers accessible to everyone.