The calculator hub
Canadian money math, worked out on one pad.
Pick your province, then run ten calculators built on real Canadian rules — semi-annual mortgage compounding, GDS/TDS lending ratios, provincial land transfer tax, CRA brackets and CPP/EI payroll deductions.
Step one
Set your province or territory
Every calculator below re-runs instantly against the rates for the jurisdiction you pick.
- Total sales tax (GST/PST/HST)
- 13%
- Lowest income tax bracket
- 19.05%
- Top income tax bracket
- 46.16%
- Small biz corp tax rate
- 11.20%
Mortgage Affordability
Maximum purchase price using Canadian GDS (39%) and TDS (44%) lending ratios, stress-tested — Ontario.
Maximum home price
$399,629
Mortgage required
$349,139
Includes CMHC premium where applicable
Canadian Mortgage Payment
Fixed-rate payments compounded semi-annually, as required by Canadian law — plus CMHC insurance.
Monthly payment
$2,962.48
Accelerated bi-weekly
$1,481.24
26 payments a year — shaves years off the amortization
Land Transfer Tax & Closing Costs
Ontario land transfer tax rates plus the usual cash-on-closing line items.
Land transfer tax payable
$9,475
Total cash needed on closing
$13,500