Land Transfer Tax (ON + Toronto)
Calculate Ontario LTT and Toronto MLTT, with first-time buyer rebates.
closing costsontariotorontofthb
Tools for your financial wellbeing
Practical, bilingual calculators and worksheets—private, easy to use, and designed to help you make values-aligned decisions (no signup required).
Private Free Bilingual
Find the right tool fast
Search by keyword, filter by type, or narrow to a category.
Showing 23 of 23
Homeownership
Closing costs, down payment, insurance, and qualification
Closing Costs Estimator
Legal, title, inspections, adjustments—and LTT/NRST options where applicable.
closing costslegaltitlenrst
Down Payment & CMHC Insurance
Minimum down payment, CMHC premium estimate, and insured eligibility.
down paymentinsurancecmhc
Affordability & Stress Test
Check qualification using the federally-mandated stress-test rate.
qualificationmqrgdstds
Mortgage Affordability (Quick)
Fast affordability snapshot using your income, debts, and rate assumptions.
affordabilitypre-qual
Planning
Payments, amortization, penalties, refinance, and rent vs buy
Mortgage Payment Calculator
Estimate payments across monthly, bi-weekly, and weekly schedules.
mortgagepaymentamortization
Amortization Schedule & Extra Payments
Month-by-month breakdown and prepayment impact; export summary/schedule.
amortizationprepaymentschedulecsv
Mortgage Penalty Estimator
Rough IRD / 3-month interest estimate before you refinance or break a term.
penaltyrefinance
Refinance & Blend Helper
Compare blend-and-extend vs. break-and-refinance scenarios.
refinanceblend
Rent vs Buy
Side-by-side total cost comparison with down payment, rate, and growth assumptions.
rentbuycompare
Holistic Budget Calculator
Build a budget that reflects your life, values, and strengths—simple and intuitive.
budgetcash flowplanning
Net Worth & Debt Paydown
Track net worth and plan payoff (Snowball or Avalanche) with clear timelines.
net worthdebtpayoff
Debt Snowball / Avalanche
Prioritize debts your way—project payoff dates and momentum.
debtsnowballavalanche
Investors
Cash flow, DSCR, and valuation helpers
Rental Cash-Flow
Project income/expenses (vacancy, cap-ex, management) for hold decisions.
rentalnoiinvestor
DSCR (Lender View)
Debt-service coverage ratio for 2–10 unit and small rental underwriting.
dscrunderwritinginvestor
Cap Rate & CoC Return
Evaluate opportunities using cap rate and cash-on-cash benchmarks.
cap ratecash on cash
Worksheets
Budgets, readiness checklists, and tax season prep
Budget & Cash-Flow
Track income and expenses, see net and savings rate. Export or print.
worksheetcsvxlsx
Mortgage Readiness
Step-by-step checklist for pre-approval: credit, documents, down payment.
checklistpre-approval
Tax Season Prep
A calm, complete list so filing is simple—not chaotic.
checklisttax
Newcomer Financial Toolkit
Banking, credit, CRA setup, health coverage, and first-mortgage steps for newcomers.
newcomerchecklist
Self-Employed Mortgage Toolkit
Docs and add-backs lenders expect: NOAs, statements, business financials, and more.
self-employedchecklist
Multiplex Readiness (4–10 Units)
Rent roll, operating statement, taxes/utilities, insurance, and underwriting basics.
multiplex4-10 unitschecklist
Utilities
Assistant and support tools
AI Assistant (Beta)
Ask questions about services, tools, or documents; get guided next steps.
aiassistantchat
How we use these tools
Private, educational, and bilingual
What to expect
These tools run in your browser, no account required. Export files are saved locally by you.
We can tailor a tool to your situation or guide you to the right one during a discovery call.
Disclaimers
Educational tools only—not investment, legal, or tax advice. Mortgage rules reflect 2025 Canadian guidelines for stress-test, CMHC, and ON/Toronto LTT.
Bilingual support (EN/ES). We can coordinate with your CPA and lawyer as needed.